What types of policy riders are available?

Policy riders are additional coverage that can be added to an insurance policy. These riders are specific to individual policies and can help protect the policyholder from unexpected costs and provide additional coverage. In California, policy riders are available for a variety of types of insurance, including health insurance, life insurance, homeowners insurance, and auto insurance. Health insurance policy riders can cover special medical needs that are not typically covered, such as certain types of treatments or therapies. They may also cover long-term care or even home health care costs. Health insurance riders may also cover preventive care such as yearly physicals or specific tests. Life insurance riders are typically used to customize a policy to the individual needs of the policyholder. For example, riders can provide coverage for accidental death or disability, pay off a mortgage if the policyholder passes away, or provide a cash payout if the policyholder passes away. Homeowners insurance riders can provide additional coverage for special items or provide coverage for property that is not typically included in a standard policy. This can include coverage for valuables, such as jewelry and art, or coverage for burglaries and other losses. Auto insurance riders can provide additional coverage for things such as rental cars, towing and roadside assistance, uninsured motorist protection, and gap coverage. These riders can provide added protection for the policyholder in the event of an auto accident. Overall, policy riders are a great way to customize an insurance policy to the individual needs of the policyholder. They provide extra coverage that can help protect the policyholder from unexpected costs or provide additional benefits.

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