Personal property is protected under your Homeowners, Condominium, Mobile Home or Renters insurance policies, but it often has limits for certain items—like expensive pieces of jewelry, furs, cameras, and fine art.
A rider—technically called Scheduled Personal Property—provides coverage for the things you own whose value exceeds the per-item limit of your policy.
When someone gives you a truly incredible gift, or you buy something like an engagement ring or luxury watch, make sure it's covered by your insurance policy.
Items like these are often claimed as insurance losses, but many people aren't fully aware of their actual coverage limits. To make sure your expensive and irreplaceable items are covered, compare their value to your policy's coverage levels and make sure they match up. If you find that your items are worth more than they're covered for, you should look into getting a rider.
Still not sure if you need a rider for your valuables? Talk to an Allstate agent—they can help you ensure you have the coverage you need. Find an Allstate agent near you or get an online quote today.