What is a "rider" in an insurance policy?

A "rider" in an insurance policy refers to an addition or amendment that modifies the terms of the original policy. This can include adding coverage for specific risks or altering certain provisions of the policy, allowing policyholders to tailor their insurance to better fit their needs. Riders can enhance the base insurance coverage by providing additional benefits, options, or protections that are not included in the standard policy. This customization is crucial because various circumstances may lead to specific needs that the original policy may not fully address, thus making riders a valuable tool for comprehensive insurance planning.