An insurance rider is an additional provision or amendment added to an existing insurance policy. It allows policyholders to customize their coverage by adding specific benefits or altering terms to better suit their needs. Riders can cover various aspects, such as critical illness, accidental death, or additional property coverage. These riders typically come with an extra cost, which can vary based on the type of coverage added. By including a rider, individuals can enhance their life insurance, health insurance, or homeowners insurance policies, ensuring they have the protection they require for unique situations or risks.