An insurance rider is the same as an insurance endorsement, It is an addition or amendment to a current or existing insurance policy or contract which amends or changes the scope or terms of the contract agreed to with the insurance company call your original policy. Riders are also be referred to or called endorsements. An insurance endorsement may be used to delete, add, alter, or exclude coverage. Make sure you read the fine print each year and all the documents that come with your annual policy renewal. Insurance companies have been known to make changes that they will assume you will not read upon renewal and then when you suffer a loss you may be surprised that the loss is no longer covered or the limit of coverage has changed.