Lifted Truck Insurance for Modified 4x4s & Show Builds.

It covers your truck for basic auto liability and physical damage, but it will value your rig at stock book value (ignoring modifications), cap aftermarket parts, and exclude off-road use. For a truck with significant build investment, standard coverage typically leaves you underinsured.

Agreed value means you and your insurer agree on the total insured value of your truck before you buy the policy — documenting stock value plus every modification. If the truck is totaled, you receive that agreed amount without depreciation arguments or stock book value comparisons.

Custom parts riders cover aftermarket equipment not included in your truck's stock configuration — lift kits, suspension components, oversized tires and wheels, bumpers, winches, bed covers, in-cab electronics, light bars, and similar modifications. Coverage is for the actual added value of those parts.

No. Standard personal auto policies almost universally exclude incidents that occur off paved roads. An off-road use rider specifically extends your physical damage and sometimes liability coverage to trail riding, crawling, and OHV use.

Show truck coverage is a specialty program for trucks entered in competitions, exhibitions, or car shows. It typically covers transit damage to and from events, damage that occurs at the show venue, theft at show parking areas, and the specific risks of exhibiting a high-value modified vehicle.

GAP coverage matters when your loan balance exceeds your truck's insured value. For lifted trucks, this happens when modifications aren't reflected in the financed amount or when the truck depreciates faster than the loan payoff. If you owe more than your truck is insured for, GAP covers the difference after a total loss.

Yes. Standard carriers often flag lifted trucks as non-standard risk, but specialty carriers write these programs routinely. We have markets specifically for lifted and modified trucks, including those with significant suspension lifts, oversized tires, and aftermarket body work.

When you apply, we go through every modification — photos help, receipts are useful but not always required. We use the documented cost and current value of each modification to establish the total build value, then set your agreed value policy limit based on that assessment.

We write programs for trucks with lift heights ranging from leveling kits up to 10-inch+ lifts. Very extreme lifts may require a specialty market, but we have carrier options across the range. Tell us your lift height and we'll find the right placement.

Yes. Standard personal auto coverage follows your vehicle across state lines. Off-road riders, custom parts coverage, and agreed value policies work the same way — your coverage goes with your truck, regardless of which state the trail is in.

Premiums depend on your truck's value, modification extent, how you use it, and your driving record. A heavily modified show truck with agreed value and all riders might run $1,500–$3,000 per year. A lifted daily driver with custom parts coverage might be closer to $800–$1,500. We compare multiple carriers to find the best rate for your profile.

Yes. Even if you haven't lifted your truck, custom parts coverage for aftermarket wheels, tires, and electronics is available. We write coverage that reflects the actual replacement cost of your aftermarket components, not the stock equivalents.

That's common. We write programs that cover both uses — daily driving liability and physical damage, plus show truck coverage for events, plus custom parts rider for your modifications. One policy, all uses covered.

Yes. Whether you have a suspension lift, a body lift, or both, we can build a program that reflects your truck's true configuration. Different lift types affect the vehicle profile differently, and our agents know the distinction.

Liability covers damage or injury you cause to others with your truck. Physical damage (collision and comprehensive) covers damage to your own truck. For a modified truck with significant build investment, both are important — and physical damage should be at agreed value to protect your modification investment.

Yes. Off-road riders extend your existing coverage to include trail and OHV use without replacing your standard road coverage. Your policy covers both scenarios — just let us know your typical use pattern so we write the right limits and endorsements.

Yes, but the insurance type changes depending on business use. A truck used for business may need commercial auto coverage rather than personal lines, especially if it's registered commercially or used to haul tools and equipment. We'll determine the right coverage type for your use case.

That's exactly what agreed value coverage is designed for. We document and cover the full modified value — which can exceed the original MSRP on a heavily built truck. The agreed value reflects your actual investment, not what you paid for the stock vehicle.

Contact your carrier's claims department using the number on your policy, or call us at 844-967-5247 and we'll assist. For agreed value claims, the documented modification list we created at policy inception is what the adjuster uses to evaluate your claim — no need to re-document everything after a loss.