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Old 07-18-2014, 12:18 PM   #1
CPT MAL's Avatar
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Lightbulb How do you insure your mods?

Hello fam,

This is the first thread I've started here after returning from christening my new 2014 JKUR in Moab, UT and Canyonland.

I'v added around 5-6k in additional items/upgrades to my rig thus far, and I've ran into an issue.

My insurer stated that they aren't covered. I asked what it takes to cover them and they said that I would have to itemize them and photograph and provide the reciets for them. Then on top of that, additions would be capped at 5k of upgrades.

So I searched around and wasn't able to find a specific company that provides coverage tailored to people who drive an upgraded vehicle on a daily basis but want to insure it properly against damage, theft and hopefully offroad damage too.

What do you guys use that covers what I'm looking for?

Thanks for the help!


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Old 07-18-2014, 01:00 PM   #2
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If I ever wreck mine I'm screwed. I have about $10 grand in a vehicle that is worth $2500 to an insurance company. I only carry liability on it anyway. Yours is a little different because it is newer, but you probably have to live in the edge a little too.

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Old 07-18-2014, 01:17 PM   #3
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Maybe get "umbrella" coverage. Not exactly sure how it works, but from what I think I understand it is a general coverage that covers anything you have. I have only heard about it a couple times after a drunk plowed into my jeep and only had minimum coverage and my attorney said maybe he has umbrella coverage. ( he didn't ) but maybe check into it. It might be called something different by different company's.
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Old 07-18-2014, 01:44 PM   #4
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Umbrella, huh? I'll look into that. I just feel like someone has to have a solution for this already figured out, with all of us jeepers.

Is there a company that simply insures the mods alone? Something separate?
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Old 07-18-2014, 01:53 PM   #5

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State Farm "says" I'm covered on all mods.

I put together a build book. It lists every mod done, along with pictures and receipts to cover my a$$.
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Old 07-18-2014, 03:08 PM   #6
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Never thought about it. I always figured with any mods would be my loss in a claim. Plus I don't want to pay for insurance money than I am right now.

I know several guys who have $60,000 corvette's with $20,000 of mods and just have regular coverage. They're already paying a high insurance ticket.

You gotta pay to play. I'd rather spend money on mods and take a chance rather than feed and insurance company for something that might not happen.

In your instance I'd be more concerned about violating mfg warranty.
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Old 07-18-2014, 03:41 PM   #7
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Umbrella policy won't do you any good lol. That's for let's say someone hits you and doesn't have insurance or enough insurance to cover your damages. Possibly you may be able to sue for upgrades if it was someone else's fault but for the most part they are going to pay book value. I think your best bet would be to talk to your insurer and list those items like stated above for the companies that will allow it.
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Old 07-18-2014, 05:41 PM   #8
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Originally Posted by Barmanvarn View Post
State Farm "says" I'm covered on all mods.

I put together a build book. It lists every mod done, along with pictures and receipts to cover my a$$.

Just called State Farm, they said you are covered on non-total loss situations. But if your Jeep is stolen or totaled, you get Blue Book.

I would reconfirm with your insurance company just FYI.
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Old 08-01-2014, 08:48 AM   #9
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I know of a few instances where a jeep has been totaled and after the insurance check was received they were able to buy back their jeep from the insurance company at a very cheap price and transfer all their mods to the new jeep they bought
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Old 08-03-2014, 05:39 PM   #10
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This is info for anyone it might apply.

If your insurance "says" all your mods are covered, GET IT IN WRITING! You do not want to be the one who thinks they are covered because an agent told you one thing, then get crapped on later when something happens and your insurances says "Im sorry, we don't remember telling you that your mods were covered."

Just a warning, better be safe then sorry. Insurance companies will do anything to save a penny.
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Old 08-03-2014, 08:16 PM   #11
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umbrella policies are for liability...not applicable in this instance.

False about doing anything to save a penny but i agree to get it in writing or better yet, have it placed in the dec page for your insurance. (i work for nationwide in claims)

Most companies cap at 5k in additional parts...i know there are endorsements you can get for things above and beyond that amount but am unfamiliar with them due to only working claims instead of on the agency or underwriting side.

Good luck

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coverage , insurance , mods , upgrades

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