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A rider is a modification to an insurance policy that typically adds a new coverage or higher coverage in return for higher premiums.
For example, you might add a rider to your life insurance policy to provide coverage for your spouse, or a rider to your homeowners policy to provide additional liability insurance for a specific event. Dental care and prescription insurance are typical riders on health insurance policies.
(1) An amendment or attachment to a contract. (2) Commonly used to indicate additional terms or coverages for standard insurance contracts.