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I have a heavily modified JKU and was just talking with my State Farm agent. Apparently, they just insure for the base Jeep Sport (which my VIN ties back to) and will not insure all of the mods (about $15K at this point). So... time to look for a new insurance company for the Jeep. Any recommendations or experience with an insurance company who will insure the actual value of the fully modified Jeep?

Not sure about the jeep, but I have progressive for my Harley. They let me specify a certain $ amount in upgrades.

Most will. You just have to buy a rider policy. I bet State Farm will if you ask. Be prepared for the cost: It is pricey.

You should look into a policy that covers based on "agreed upon value". Classic car insurance companies like Grundy do this, but often you need to negotiate the value and provide an appraisal from a professional. The price differential can often prohibit it from being worth your time. Many times, Mods don't actually improve the value of the vehicle, they're usually viewed as a personal preference. Good luck.

From Working with an insurance company Prior to me working back to a body shop.

AMFAM you could add additional coverage to your policy for the added Items But this will not be dollar for dollar. remember you take something off to add something to the vehicle and Most times the items you take off cost more than the after market items you add on. Depending on how much you have tied up into your rig you may want to get a stated value policy but you will Pay dearly for it. and that dollar amount will also not be Guaranteed as you will have to do this every year by a lics Appraiser. The insurance will do the same when a Loss happens also. Every insurance company is different you may have to shop around to get the best fit. Progressive for motorcycles is the Best company to have for both Bikes and RV's Autos no so much they will put used and a/m parts all over your vehicle.

Adding Sleeves gussets Lift will not add much if any value to the vehicle. Same with wheels and tires, Rocker rails will ad some value. And Most adjusters will not have a clue what you are talking about unless they are in to Off roading and jeeps.

Well... while State Farm will not do a "Stated Value" policy to cover the Jeep, it looks like Farmers Insurance will. Fingers crossed that it's not going to cost me more than the Jeep itself!

Check back and let us know how the quote compares to a regular policy on your Jeep.

Weird.. My wife and I have state farm for both jeeps... they insured every mod I have. They just requested I keep receipts or invoices for all mods. Your agent sucks.

X2 on the receipts and/or invoices for all mods.

Yeah same here. My agent said "If it's on your jeep, it's covered." He even said if I don't have a receipt for a part but can find it on the Internet, that's good enough too. Find a new agent.

I have Allstate, and they also told me if it's on the Jeep, it's covered.

Do any of you that have been told that "if it is on the Jeep it is covered" actually have that backed up in writing from your agent? I find it hard to believe that a company will cover a vehicle for way more than it was worth stock without charging for it somehow.

I have it in writing. I also pay for a serious amount of coverage. I don't carry the cheapest policy they offer.

As long as you have pictures of it on the jeep you should be fine as well

my sister use to work for State Farm and she said the same but we have full coverage for all our vehicles

Agents do not determine whats covered for your jeep or not. Better get something in writing before something happens.

This. Unless you're paying for CPE coverage or have a stated-value policy, you may not have sufficient coverage on your aftermarket parts--most insurance companies limit modification coverage to $1000-1500. That is clearly stated in every policy I've had in the past 30-35 years (this actually started with the expensive painted art that was popular on vans back in the 80s). Don't believe this? Don't ask your agent what your policy says; read it! USAA (which I now have) actually limits it to $5,000, which is rather high. USAA recently started offering "car replacement assistance" coverage, which pays 20% above their calculation for the value of your total vehicle loss. That costs all of $5 each six months, so seemed worth it. You can read more info on CPE and stated-value coverages here ...

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