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Inside Story

Does insurance cover custom equipment on my vehicle?

Dec 19, 2025, 12:00 PM by Garrett Kelly

Don’t hit the road without proper coverage for custom vehicle equipment like rims, wraps and other modifications. Learn more about existing coverage limits and how to protect your investment properly.

Technician apply a vehicle wrap on a car.

The assembly line allows car manufacturers to be very efficient, rolling new cars out of the factory at an incredible pace. This level of efficiency does not allow for much customization for the average driver though. If you want your vehicle to stand out from the pack, you might be considering some custom equipment or modifications.

Before you visit that shop or turn that wrench, make sure you understand how your insurance policy handles non-factory additions, especially considering that the cost for these upgrades has risen in recent years.

Existing coverage limits on custom equipment

Many standard auto insurance policies include a predetermined baseline coverage amount for custom equipment. At Indiana Farm Bureau Insurance, that limit is $1,500, and additional coverage can be purchased as needed. But if you invest $3,000 in a set of custom rims or a vehicle wrap, it’s important to inform your insurance agent. If you don’t increase your coverage limit accordingly and experience a loss, you may find yourself significantly underinsured.

Common custom equipment that may exceed standard limits

Wheels and rims

Custom rims for trucks, large SUVs and performance vehicles can get pricey quickly. You might find yourself spending $2,000 to $5,000 or more, depending on your choice.

Vehicle wraps and custom paint

Professional wraps can cost $3,000 or more, and custom paint jobs can be just as costly.

Lift kits and suspension modifications

We’re looking at you, off-road enthusiasts. Modifications that are popular in the off-road community or for folks who just think they look cool can cost a pretty penny.

Roof racks and cargo systems

Basic roof racks are likely to fall within the standard limit, but they can be surprisingly expensive as well. The same goes for cargo systems. As you add more elements like lighting and other accessories, the cost goes up.

Window tinting

Don’t stay in the dark on this one either! Window tinting is another job that can exceed the standard limits.

Excess custom equipment coverage

If you have custom equipment or are planning custom equipment purchases for your vehicle, your Indiana Farm Bureau Insurance agent can help you obtain additional coverage. Indiana Farm Bureau Insurance policyholders can increase custom equipment coverage up to a limit of $10,000. A discussion with your agent will help you determine how much excess custom equipment coverage you may need and how that will impact your premium.

It’s important to note that you must have custom equipment installed or purchased for installation to increase your limits. This additional coverage can’t be added “just in case” you decide to modify your vehicle later.

Why does the standard limit exist?

Not everyone wants to customize their vehicle. The standard limit provides a reasonable amount of coverage for many low-end customizations while not making all policyholders pay for insurance they may not need. This helps keep costs down for all policyholders while giving those interested in custom equipment the option to increase limits.

What if I buy a vehicle that already has custom equipment?

If you purchase a vehicle that already has some custom equipment, be sure to notify your agent when you add the vehicle. It’s better to bring it up at that moment so you can understand your options! Remember: The cost of equipment has increased in recent years. Make sure you know what you have and that it’s covered!

Final thoughts

Be proactive in contacting your agent when something changes!

Before purchasing: Connect with your agent to discuss customization plans and explore coverage options.

After installation: Notify your agent immediately and provide documentation that outlines the new equipment’s value.

During annual reviews: Take this opportunity to touch base and verify that coverage still meets your needs.

Keep your sense of individuality. Make your ride your own. Just take the time to consider your coverage first!

Inside Story is for educational and informational purposes only. Inside Story is compiled from various sources, which may or may not be affiliated with our family of companies, and may include the assistance of artificial intelligence. While we strive to provide accurate and reliable content, we make no warranties or guarantees about its completeness, accuracy, or reliability, and are not responsible for the content of any third-party sources or websites referenced herein. The inclusion of any content does not establish a business relationship or constitute our endorsement, approval, or recommendation of any third party. Testimonials and examples provided are for illustrative purposes only and do not guarantee future or similar results or outcomes, and may not consider individual circumstances, goals, needs, or objectives. Inside Story does not provide legal, tax, or accounting advice. For individual guidance, please consult a qualified professional in the appropriate field.

Coverages subject to policy terms, conditions, and exclusions. Subject to underwriting review and approval.

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