Home insurance doesn’t cover everything. Riders are added to a home insurance policy for additional protection. They’re usually used to cover personal items which include jewelry, expensive technology, cameras, and portable computers.
Some natural disasters such as a flood or tornado, may also need a special rider depending on the area where you live.
A general rule of thumb is that your personal property insurance should be around 30% of your dwelling or home owner’s insurance.
If you have expensive items, do a full inventory and make a list of everything you own including boats or recreational vehicles that aren’t covered by any type of insurance. Properly documenting the value of the items and how much money it would take you to replace them also helps you make sure you will not be underinsured when trying to find the right insurance amount for your valuables.