Insurance Considerations for Modified Trucks

Modifying your truck affects its value and risk profile, which has implications for insurance. Standard policies may not cover the full value of your modifications, leaving you underprotected in case of an accident or theft. Understanding your coverage options is an important part of responsible truck ownership.

Some insurance companies offer agreed-value policies or specific modifications coverage that provides better protection for built trucks. Documenting your modifications with photos and receipts helps establish their value. Our members have experience with various insurance providers and can share recommendations for companies that understand the enthusiast market and offer appropriate coverage options.