--- title: blog | insurance rider description: insurance rider | Stay informed with the latest news, tips, and insights on insurance and coverage options from Freshquote for Texas homeowners and drivers. --- # Blog [## [Insurance riders and endorsements explained: Do you need them?](https://www.freshquote.com/blog/insurance-riders-and-endorsements-explained-do-you-need-them) When Sarah discovered her grandmother's vintage engagement ring was only covered for $1,500 under her standard homeowner's policy, despite its $15,000 appraised value, she learned an expensive lesson... ](https://www.freshquote.com/blog/insurance-riders-and-endorsements-explained-do-you-need-them) [Read more](https://www.freshquote.com/blog/insurance-riders-and-endorsements-explained-do-you-need-them)