A policy rider—also known as an endorsement—adds protection against risks that aren’t covered by your policy.
It will provide the additional coverage for an additional fee. If a rider cannot be added to your policy, you also have the option of purchasing a special coverage policy.
Pet insurance, boat insurance, and earthquake insurance are examples of riders that can be included in some policies.
However, flood insurance is typically not included in policies.
The National Flood Insurance Program (NFIP) and its authorized private insurers are the only sources of flood insurance coverage.
Regardless of the provider through which it is purchased, this kind of policy has a standard base cost.
However, you are able to add modifications that, depending on the service provider, may have varying costs and levels.
