Understanding Riders and Endorsements on Your Home Policy

Is Your Standard Insurance Enough? Discover How to Protect What Matters Most

Most homeowners assume their insurance policy has them fully covered. Unfortunately, many don’t realize until after a disaster, theft, or accident that their standard policy leaves critical gaps—especially when it comes to high-value items like jewelry, collectibles, fine art, or business equipment.

The solution? Riders and endorsements—custom policy add-ons that provide essential extra protection where it matters most. Understanding these tools could mean the difference between a full payout or a financial setback.

At MyStash, we help you take inventory of your assets and match them with the right coverage—so nothing slips through the cracks.

What Are Riders and Endorsements?

In simple terms, riders (also called endorsements) are optional add-ons to your home insurance policy. They adjust or expand your coverage for specific items or risks that aren’t fully protected under your base policy.

Think of them as plug-ins for your policy—custom coverage for what standard insurance often excludes or limits.

When You Need a Rider or Endorsement

Here are common scenarios where a rider is not just smart—it’s critical:

• 💍 High-Value Personal Property
  Jewelry, engagement rings, watches
  Fine art, antiques, rare collectibles
  Most standard policies cap jewelry coverage at around $1,500.
• 💻 Home-Based Business Equipment
  Cameras, computers, tools used for freelance or business activity
  Without a rider, business-use equipment may not be covered at all.
• 🏠 Natural Disaster Add-Ons
  Earthquake or flood insurance
  Often excluded entirely from standard home policies and require separate riders.
• 🐕 Liability Coverage for Pets or Pools
  Dog breeds, trampolines, or backyard pools may increase liability risk
  A liability endorsement can protect you from lawsuits or medical claims.

How MyStash Makes It Easy to Match Coverage to Value

Insurers require documentation to approve and price riders. That’s where MyStash becomes your trusted partner:

• Create detailed, time-stamped inventories of high-value items
• Add receipts, appraisals, and certificates of authenticity
• Get AI-generated value estimates to help you assess risk
• Export reports to streamline conversations with your agent
• Store everything securely in the cloud—accessible from any device

Don’t Leave Your Most Valuable Items Underinsured

Most homeowners don’t realize they’re underinsured until they try to file a claim. Riders and endorsements exist to fill those gaps—but they only work if you know what you own and how much it’s worth.

Start with documentation. Then talk coverage.

Protect What Matters. Upgrade Your Coverage Confidence.

👉 Get Started with MyStash for Free

Know what you own. Prove what it's worth.

Then make sure your policy matches your reality.