Lets talk offroad friendly insurance companies

[USStrongman]

For the purpose of this, if you are giving information that is helpful to deterring if there are offroad/overlanding friendly insurance companies, please include which state you are discussing. Case in point. I just called Geico and confirmed Texas does not allow the types of glass coverage afforded by other states. When with Geico in AZ, I paid $0 for windshield ding repair and $25 co-pay for windshield replacement. In Texas, glass coverage is considered "comprehensive" and subject to your regular comprehensive deductible.

I've been with Geico for 25 years. Prices go up, I call, they lower them. Its a dance ive been doing and don't mind. I have NEVER had a claim with Geico other than glass when I lived in AZ.

I called today to find out in the event of theft/accident/etc, what is covered by my current policy, what i snot covered by my current policy and what is covered in my rider I ahve with them, since there is nothing specific in my rider outlining detailed coverage. Their answer: "Anything that MAY be deemed as offroad use only" can be denied after the fact. In addition, I asked, can you email me the list of CAN and CAN NOT so I have clear documentation? No was the answer. Time to look for a company who has my interest in mind and has clear policies in place that I can see, not take notes from over the phone.

Who is using what, especially when it comes to overlanding equipment? Here is a list of upgrades to my rig that I am trying to be sure are covered. There are lots of other stuff, but all of these are actually replacing OEM or providing a higher level of function. All of my recovery gear, camping gear, etc would be covered under homeowners. Currently on the rig:

AEV Front Bumper
AEV Non-Winch Cover Plate
AEV JKU Front Skid Plate
AEV Winch Mount Plate
Maximus 3 Front Bumper Classic Hoop
AEV Rear Bumper
AEV Rear Splash Guards
EAG JKU Rail/Steps
Smittybilt Pivot Tire Carrier/Hinge
Smittybilt Atlas Door Mount Steps
MOPAR JLU Hood Latches
MOPAR Front Mud Flaps

Wheels/Tires/Drivetrain
AEV Salta Wheels (5) 9.5/17
Kenda Klever R/T (5) 35/10.5/17

Suspension
AEV 2.5" Lift Kit
Bilstein 5100 Series Shocks
Bilstein 5100 Steering Stabilizer
JKS Steering Stabilizer Flip Kit
AEV Rear Differential Skid Plate
AEV Dana 44 Rear Differential Cover

Intake
AEV Snorkel
AEV Pre-Filter Assembly for JK Snorkel
K&N Air Filter

Lights
KC 6-Inch Gravity Pro-Sport LED
JW Speaker Tail Lights
Custom CNC Billet Light Bracket
A Pillar/Go Pro External Light Mounts

Roof Rack/Exterior
EAG Roof Rack
Rotopax Custom Rear Tire Mount
Rotopax Deluxe Mount x2
RotoPax 3G Fuel Can
RotoPax 2G Water Can

Interior
Bulletproof Dual Ball w/ Carbon Arm and Tablet Clamp
Design 67 Carbon Fiber iPhone Mount
Hot Heads Full Headliner Kit
Carolina Metal Masters Grab Handles
MORE Dead Pedal

Recovery
Smittybilt MOLLE Tailgate Bag System
MOLLE First Aid Kit - $40
CO2 Cylinder, Guages, Guard and Mount - $250
Kidder Fire Extinguisher - $40
Smittybilt Fire Extinguisher Mount - $20

 

[Billiebob]

I called today to find out in the event of theft/accident/etc, what is covered by my current policy,

It will all be printed clearly in the policy, but you'll have to read all 40 pages.

You might find things like winch bumpers will increase your rate since the factory bumpers are designed to minimize pedestrian injuries and after market winch bumpers can severely maim a pedestrian. For the insurance company what you percieve as an upgrade and higher functioning part they will regard as increased liability.

On coverage for the cost of all those upgrades most insurers will offer an "agreed value" rather than itemizing all the upgrades, but the premium will increase to cover the value you expect beyond the vehicles book value.

 

[Boostpowered]

My state farm agent says I'm cover on and off road against mechanical issues, if I hit a tree or rock etc.
For accessories like bumpers,sliders,winch, etc covered
For the camping stuff and loose items it homeowners insurance.

As far as I know state farm and All-State are the only 2 in the USA that have off road coverage.

I know motorsports insurance won't work you have to damage it on the race track.

 

[USStrongman]

It will all be printed clearly in the policy, but you'll have to read all 40 pages.

You might find things like winch bumpers will increase your rate since the factory bumpers are designed to minimize pedestrian injuries and after market winch bumpers can severely maim a pedestrian. For the insurance company what you percieve as an upgrade and higher functioning part they will regard as increased liability.

On coverage for the cost of all those upgrades most insurers will offer an "agreed value" rather than itemizing all the upgrades, but the premium will increase to cover the value you expect beyond the vehicles book value.

That much I know, its more of who in practical relationships is working with a company they like, respect and are truly covered by, not using vague blanket statements like my phone conversation today with Geico. I will look into SF and Farmers and see where I land. My only other real issue is a 16yo daughter on my policy. Granted she is a 4.16GPA and a girl which keeps her rates low, but still.... she's 16!