Custom Equipment Coverage

Standard auto policies include a small amount of custom-equipment coverage by default, typically $1,000 to $1,500 of aftermarket parts. Above that, you need a custom equipment endorsement that explicitly lists the dollar value of modifications you added. Common additions: upgraded wheels, audio systems, lift kits, body kits, custom paint, performance parts, roof racks, aftermarket navigation.

What counts as custom equipment

• Aftermarket wheels and tires above OEM spec.
• Stereo and audio systems not installed by the manufacturer.
• Lift kits, lowering kits, suspension upgrades.
• Body kits, spoilers, custom bumpers.
• Custom paint and wraps (vinyl wraps are included under custom paint in most carrier endorsements).
• Performance upgrades: cold air intakes, turbos, exhausts, ECU tuning.
• Interior customization: aftermarket seats, floor mats, dash kits.
• Roof racks, light bars, winches, and other off-road accessories.

What's already covered by the base policy

• OEM-installed features (even premium trim packages).
• Dealer-installed options at the time of purchase (if documented on the sale sheet).
• Up to the baseline $1,000 or $1,500 of aftermarket modifications, depending on carrier.

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Typical cost of the endorsement

• $5,000 limit: $20 to $50 per year.
• $10,000 limit: $50 to $100 per year.
• $20,000 limit: $100 to $150 per year.

Rates scale with the declared limit; some carriers require photos and receipts above $5,000. Classic-car carriers (Hagerty, Grundy) have agreed-value custom equipment baked into their core product and are the better option for show cars and heavily modified builds.

What's typically excluded

• Equipment installed for commercial use.
• Equipment that violates state vehicle code (illegal exhaust, excessive window tint, etc.).
• Depreciation beyond the declared limit (no agreed value on standard custom-equipment endorsements).
• Mechanical breakdown of the custom part.