Insurance for your upgrades

It had been mentioned a few times that some insurances cover full replacement of aftermarket parts, and some don't. YMMV

I called Allstate and found out that my aftermarket goodies on the truck are only covered up to $1,000.

Ok, that's fair for a standard policy. I tell the agent that I want to add a rider to add $10K of aftermarket parts, and he said they can not do it.

My BIG concern is hitting a deer, that is where most of my goodies are. Obviously, I'm not covered well. The Raptor Retrofits would eat up the coverage, then I'm screwed.

Who knows for a fact that their insurance covers their aftermarket parts, and what company do you have?

Thanks,
Yukon Joe

---------- Post added at 02:30 PM ---------- Previous post was at 02:25 PM ----------

Title should be "upgrades" not upgraded...
Can someone fix?

Yukon Joe

My Raptor isn't built yet, but Progressive covers up to $3000 in accessories for my bikes. I'll find out about Raptor upgrades when I get mine.

Carry the car at Stated Value. That's what I so with the Vette


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humm.. when I had my bimmer with allstate they told me I could insure up to $5000..If I pay more...

sniperm said:

humm.. when I had my bimmer with allstate they told me I could insure up to $5000..If I pay more...

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They said they used to allow added extras, but not anymore.

I figured that they would charge more, I'm ok with that, but they won't do it at all!!

Yukon Joe

012BLUESVT said:

Title should be "upgrades" not upgraded...
Can someone fix?

Click to expand...

Thread title fixed

USAA said that as long as I have the receipt and its bolted down onto the truck I'm covered.


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BOJANGLES said:

Thread title fixed

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Thanks Ben

formuladriver01 said:

USAA said that as long as I have the receipt and its bolted down onto the truck I'm covered.


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that's what I thought too, I'm glad I called to confirm.

Yukon Joe

formuladriver01 said:

USAA said that as long as I have the receipt and its bolted down onto the truck I'm covered.


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I got the same response from state farm when I inquired (have a heavily moddified camaro which will traded in on the raptor). Full coverage policy with the highest limits if that helps.

formuladriver01 said:

USAA said that as long as I have the receipt and its bolted down onto the truck I'm covered.


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They say that now, if I ever wreck my Evo there's more money in performance stuff than what the car's actually worth and I have all the receipts.