We have a rider for my sewing machine collection, and one for the LA because the building it is in is too far from the house to be allowed to be covered under the policy on the house. The using machines I keep in the house are covered under the household goods policy. We reviewed the limits and decided there was enough there to cover those machines. We don't have much in the way of furniture, artwork, jewelry or other expensive belongings otherwise we probably would have needed to have a rider for those machines too.