Home Inventory Me, LLC. does not sell insurance. We would be happy to refer you to a licensed professional who can review your policy with you. But we may suggest that you check into riders on certain items. A rider (sometimes called a “floater”) is a separate mini-policy or clause that extends your homeowners policy to cover the extra value of items that may be excluded under personal property contents insurance. Your homeowner’s policy may not cover the cost of particular expensive items like luxury watches, expensive jewelry, fine art or electronics equipment, for instance, or may limit reimbursement to an amount far below the actual value of those items. You may need an insurance rider if you have a home based business, own expensive jewelry, electronics, computer equipment, oriental rugs, fine art, antiques, or own an older home.