Coverage lines

Lifted Truck Insurance Coverage Lines.

From agreed value and custom parts riders to show truck and off-road coverage — we build specialty programs for modified trucks that standard auto carriers won't write.

Essential coverage

Agreed Value Coverage

Lock in the full insured value of your lifted truck upfront — no depreciation, no argument at claim time. We document your build, agree on the amount, and pay that full value on a total loss. Essential for modified trucks worth more than their book value.

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Custom Parts & Accessories

Coverage for every upgrade on your build — lift kits, oversized tires, aftermarket wheels, bumpers, bed covers, winches, and electronics. Standard auto policies exclude or cap aftermarket equipment; this rider covers your actual investment.

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Show Truck Coverage

Specialized coverage for trucks you enter in shows, competitions, or exhibitions. Covers transit to and from events, damage at show venues, theft from parking areas, and the custom work that makes your rig a winner.

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Off-Road Use Rider

Extends your coverage onto unimproved roads, trails, and off-road terrain. Standard auto policies exclude off-road use entirely. This rider covers physical damage and liability while crawling, trail riding, or competing off-pavement.

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GAP Coverage

Covers the gap between your truck’s insured value and your loan balance after a total loss. Critical for lifted trucks that depreciate below their loan payoff — especially when modifications aren’t reflected in the loan amount.

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Physical Damage

Comprehensive and collision coverage for your lifted truck, including your suspension system, wheels, tires, and all mounted accessories. We insure at stated value so your payout matches your build’s actual worth.

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Liability Coverage

Auto liability protection for your lifted truck — bodily injury and property damage you cause to others. We write liability limits that match the profile of a modified vehicle and the higher risk perception of lifted trucks.

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Non-Owner Coverage

Liability coverage when you occasionally drive a lifted truck you don’t own — a friend’s rig, a club vehicle, or a rental for an off-road trip. Fills the gap between the vehicle owner’s policy and your personal coverage.

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Build Your Custom Coverage Program

Tell us about your build and modifications — we'll design a program that covers everything.

Get a free quote844-967-5247