No way
American Generl Life and Accident has these no cost riders included in their term and Universal life policies. I have one of those policies after losing my wife to cancer. It would have been nice to have if I would have known about before her cancer was found.
When you purchase expensive pieces of jewelry you can purchase riders for existing homeowners insurance policies. A rider will cover items on a piece by piece basis for a specified value. Check with your insurance company to see if this will meet your needs.
The Freedom Riders were activists who were determined to protest the segregationists policies of the deep South.
There are nearly as many insurance providers for motorcycle riders as there are for car drivers. Some of the choices available to motorcyclists include Allstate, Progressive, State Farm, Esurance, AIG, and GEICO.
Riders Plus Insurance
If you mean for personally owned goods, most insurance companies sell personal property policies or personal property riders, and you can list almost any personal property that you own.
Locating the least expensive dental and vision plan is not an easy task. Insurance companies have additional riders or add on policies that can help defray the cost of dental and vision care. Aflac and Farmers insurance have subsidy insurance companies under their umbrella that offer low cost plans.
yes
According to the Department of Health and Human Services, all exclusionary riders are no longer permitted. "...In most states today, an exclusionary rider is an amendment, permitted in individual health insurance policies that permanently excludes coverage for a health condition, body part, or body system. Starting in September 2010, under the Affordable Care Act, exclusionary riders cannot be applied to coverage for children. Starting in 2014, no exclusionary riders will be permitted in any health insurance." So, insurance companies are not permitted to exclude you due to a pre-existing condition, for example. As for other riders and when they apply, I enclose the link to the bill, which will explain in more detail.
Yes you need ATV insurance for other riders because you will be responsible towards their injuries. To find out about the legality of riding check your state laws about riding without insurance.
This depends on the insurance company. Some insurance companyies will cover other drivers if they are not regular drivers of the insured vehicle. Other insurance companies will only cover the person insured/owner of the vehicle. Most of the time, there are riders you can attach for an additional charge that will cover other, occassional drivers. If there are two people that drive a vehicle on a regular basis, both people must be insured, and generally that's like covering two vehicles.
There is no "swimming pool" insurance. There are however riders available from some insurance companies that can be added to your homeowner's policy.