Insurance for our heavily modified Jeeps

[Nice Little Jeep]

What kind of insurance do most of you have on the heavily modified jeeps right now? I am thinking of going stated value, but I don’t have a lot of experience in this and my sister is my insurance agent and she does not have a lot of experience in this area.

[suicideking]

I have State Farm. My agent assured me that my policy covers all my mods, parts only. So told me to save all receipts and take pictures often. I'm sure I wouldn't get full value on everything, but hopefully a good percentage. Ideally if my Jeep gets totaled, I'd be able to buy another LJ and at least get some build money. 

 

Stated value would be nice, but not sure how much that would cost.

[Nice Little Jeep]

Yeah, my sister has indicated that if it’s not attached to the Vin number, you will not get reimbursed for the upgrades. Up to this point most of my upgrades have all been attached to the Vin number, until I changed the axles and suspension. Each state and each insurance company can write different policies.

[MIOffroadCustoms]

I also use State Farm with the understanding that all will be covered if accompanied by a receipt. - labor obviously 

[Weebz]

Are they depreciating the parts or replac cost?    

[Crawl2Camp]

No problem with AAA either. That reminds me, I need to update my policy.  
I also intend to have a Ravelco installed on the Jeep.  It’s on the list of TTD.

[AJK]

Maybe you will have better luck than me Dennis but when I contacted State Farm a few months ago they quoted me over 2k every 6 months to cover my Jeep and wouldn't guarantee me that the accessories and parts would be covered...its a california thing apparently. 

 

 

I paid less than $2,200 a year for the jeep, truck, wife's explorer, and trailer with current insurance. 

 

Definitely, let me know if you find something reasonable because I would love to be able to cover the Jeep even if it was only up to 55-60k.

[Nice Little Jeep]

3 hours ago, AJK said:

Maybe you will have better luck than me Dennis but when I contacted State Farm a few months ago they quoted me over 2k every 6 months to cover my Jeep and wouldn't guarantee me that the accessories and parts would be covered...its a california thing apparently. 

 

 

I paid less than $2,200 a year for the jeep, truck, wife's explorer, and trailer with current insurance. 

 

Definitely, let me know if you find something reasonable because I would love to be able to cover the Jeep even if it was only up to 55-60k.

Farmers, State Farm, Mercury, and Safeco are very strict on writing insurance policies on custom vehicles, that’s per my insurance agent (sister). I have to change my insurance company anyways because, My current insurance company will not cover me if I’m doing volunteer work and driving my Jeep. 

[Nice Little Jeep]

4 hours ago, Crawl2Camp said:

No problem with AAA either. That reminds me, I need to update my policy.  
I also intend to have a Ravelco installed on the Jeep.  It’s on the list of TTD.

I don’t know what an Ravelco is and what does TTD mean?

[Nice Little Jeep]

McKinney insurance
“No one person's insurance needs are the same as another and all coverage is best when it is fine tuned for the customer.”

Who we are looking at right now, they insure the house, and they have custom insurance policies.

[Gruff]

12 hours ago, Weebz said:

Are they depreciating the parts or replac cost?    

Replacement cost. Years ago I was in an accident where a girl pulled in front of me & I t-boned her. Bent frame, ruined bumper, winch, bent control arms, damn near killed Gruff. State Farm replaced everything no questions. I didn't even have to supply receipts - just pics & links to replacements on websites. 

[suicideking]

7 minutes ago, Gruff said:

Replacement cost. Years ago I was in an accident where a girl pulled in front of me & I t-boned her. Bent frame, ruined bumper, winch, bent control arms, damn near killed Gruff. State Farm replaced everything no questions. I didn't even have to supply receipts - just pics & links to replacements on websites. 

 

That's good to hear. 

[Crawl2Camp]

13 hours ago, Nice Little Jeep said:

I don’t know what an Ravelco is and what does TTD mean?

Ravelco is just a vehicle anti theft device. 
https://www.ravelco.com

TTD = Things To Do.  
 

[BHaner]

I have mine through Progressive.  Just the Jeep costs me about $1,700 a year.

 

[Nice Little Jeep]

On 3/31/2023 at 10:43 AM, BHaner said:

I have mine through Progressive.  Just the Jeep costs me about $1,700 a year.

 

Does progressive insure multiple states on the same vehicle? that’s something that has come up.

[Nice Little Jeep]

On 3/24/2023 at 9:16 PM, Nice Little Jeep said:

McKinney insurance
“No one person's insurance needs are the same as another and all coverage is best when it is fine tuned for the customer.”

Who we are looking at right now, they insure the house, and they have custom insurance policies.

McKenny insurance,  will only do a $22,000 adder for accessory. That takes care of the axles . What about the rest of stuff? Calling.

[BHaner]

46 minutes ago, Nice Little Jeep said:

Does progressive insure multiple states on the same vehicle? that’s something that has come up.

Not sure what you mean by multiple states...

[Nice Little Jeep]

On 4/14/2023 at 4:39 PM, BHaner said:

Not sure what you mean by multiple states...

Well, some insurance companies will not insure you from one state to another, example: if you drive to Utah or Arizona and the Jeep is insured primarily in Washington. Some insurance companies do not cross the border of a state. I didn’t know this was a thing.

[BHaner]

On 4/15/2023 at 11:41 PM, Nice Little Jeep said:

Well, some insurance companies will not insure you from one state to another, example: if you drive to Utah or Arizona and the Jeep is insured primarily in Washington. Some insurance companies do not cross the border of a state. I didn’t know this was a thing.

Strange.  Never been told that was an issue.  I have had Progressive, State Farm, and Safeco.

 

At least progressive says it is not an issue.

 

https://www.progressive.com/answers/multi-state-car-insurance/

[AJK]

On 4/15/2023 at 11:41 PM, Nice Little Jeep said:

Well, some insurance companies will not insure you from one state to another, example: if you drive to Utah or Arizona and the Jeep is insured primarily in Washington. Some insurance companies do not cross the border of a state. I didn’t know this was a thing.

What, fuck that I am calling mine to verify thats not happening on mine. I never hear of that, but I do know they wont add your Jeep to your California policy if you have it registierd in another State. I know a few people including my father in law who tried this with his truck and was denied by him insurace carrier and needed to get a seperate out of state policy.

[AJK]

On 3/31/2023 at 10:43 AM, BHaner said:

I have mine through Progressive.  Just the Jeep costs me about $1,700 a year.

 

Progressive is so expensive in CA and they run your credit as well. Regardless, if they gave you a policy on stated value I need to give them a call.

[Nice Little Jeep]

4 hours ago, BHaner said:

Strange.  Never been told that was an issue.  I have had Progressive, State Farm, and Safeco.

 

At least progressive says it is not an issue.

 

https://www.progressive.com/answers/multi-state-car-insurance/

Something I didn’t think about either. I’m just sharing, my sister (insurance agent) has talked to different insurance companies.

[Nice Little Jeep]

3 hours ago, AJK said:

What, fuck that I am calling mine to verify thats not happening on mine. I never hear of that, but I do know they wont add your Jeep to your California policy if you have it registierd in another State. I know a few people including my father in law who tried this with his truck and was denied by him insurace carrier and needed to get a seperate out of state policy.

At the same time you feed me this stuff. I feed the stuff to my sister (insurance agent), making sure. I have an ongoing list of requirements It might end up being a separate policy just for the jeep.

[Jdofmemi]

10 hours ago, AJK said:

What, fuck that I am calling mine to verify thats not happening on mine. I never hear of that, but I do know they wont add your Jeep to your California policy if you have it registierd in another State. I know a few people including my father in law who tried this with his truck and was denied by him insurace carrier and needed to get a seperate out of state policy.

Watch out for the out of state insurance policy as well. 

 

Many are written by companies not admitted into California, and they will deny a claim if they can prove you reside primarily in CA. 

[AJK]

Any updates on this topic Dennis?