When you buy a property, home insurance protects you against financial loss if the house is damaged due to a covered event. A rider is an amendment to the policy that expands the coverage to provide additional safeguards and peace of mind. If you're curious about common events covered by a standard policy and the available riders, below is a brief introduction.

What Events Does Home Insurance Typically Cover?

A homeowner's policy usually encompasses four main components. Dwelling coverage helps pay for repair costs to the physical structure of the home after a covered event. The second part provides coverage for other structures on the property that are outside the main building, such as a detached garage, shed, or fence. Personal property coverage pays to repair or replace your personal belongings if they are stolen or damaged because of a covered event. Personal liability coverage pays for certain costs if someone is injured in your home, such as medical expenses, lost wages, and legal fees if you are sued for the damages.

What Are Some Common Riders?

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Like most coverage options, a home insurance policy has limits. This means it will only provide coverage up to a certain amount, and there may be components of your home that are excluded from the plan. This is why many homeowners invest in riders, which are amendments that fill the gaps in coverage.

A scheduled personal property rider increases coverage for specific belongings, typically up to the item's appraised value. For example, you can get this rider to protect antique furniture, artwork, furs, jewelry, or silverware. The coverage often protects against risks beyond those covered by standard home insurance, such as if you misplace and lose a valuable item.

Water backup protection covers costs if your home experiences water damage due to a backed-up drain or sump pump. This kind of damage isn't included in a standard home policy and can help you save a considerable amount of money on repairs or replacements. With identity theft a growing concern, you can also purchase an identity theft restoration rider. If your identity is stolen, the rider will pay for the costs of correcting the situation, such as legal expenses, document preparation, and lost wages.


If you need help exploring your home insurance options and securing the best riders, contact HRT Insurance Group in Spanish Fort, AL. This independent insurance agency has been serving residents throughout Alabama and Florida for more than 50 years. They offer a variety of plans and policies, including home, rental, life, and auto insurance. Call (251) 445-8300 to request a quote. Visit them online for more information about their services.