What does a “riders” clause in an insurance policy provide?

The riders clause in an insurance policy specifically provides additional coverage for an extra premium. This allows policyholders to customize their insurance policies by adding specific protections that are not included in the standard coverage. For example, a rider might cover specific valuables like jewelry or provide protection against certain risks that are not part of the basic policy. This option is advantageous for individuals who may need broader protection or have unique insurance needs that go beyond the standard offerings. By incorporating riders, policyholders can enhance their coverage to better fit their circumstances, albeit at an additional cost.