A rider is an extra coverage that comes at an additional expense to cover things that are either not covered by your insurance or are not adequately covered by your policy.
Your homeowner's insurance coverage, for example, may cover lost or stolen personal items. However, you may not have sufficient coverage to replace an engagement ring.
A scheduled personal property rider can give you additional coverage for particular objects of high value that your base insurance may not cover.
Scheduled personal property riders are commonly used to expand coverage for items such as art, antiques, and jewels.