What Is A Rider?

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.

Insurance file folders.

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 Do I Need A Rider?

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.

Think about items like:

  • Jewelry
  • Furs
  • Cameras
  • Musical instruments
  • Fine art
  • Expensive sports equipment
  • High-end audio-visual equipment

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.

Related Resources:

The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your Allstate agent.

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