Yep, ubarose is right; you wouldn't need a rider from what I understand. The only thing we have a rider for is my violin, because obviously it goes in and out of the house a lot. We didn't purchase a rider for my engagement/wedding ring set because it was so expensive, but OF COURSE within 6 months of getting our renters' insurance, the ruby fell out of the engagement ring and it was not covered by the insurance because it was lost and we don't know where. If we had only gotten the rider, the money would've been peanuts compared to the replacement cost of a ruby (we didn't get a new ruby because it was just too much--I got an amethyst instead). But it's like gambling. If I had lost the ruby years and years later, having the rider probably wouldn't have saved us anything.