Does anyone have an insurance "mod endorsement"? I read Farmers offers one up to $10K, but the mods have to be street legal. I know if I total my car, I'll be out a bunch of money. My E-Force is street legal so I was gonna look into it.

 

I have ALFA Insurance and I have my mods insured for $25000.00+ over what they will pay for the car. It costs me $108.00 a year extra. Yes everything is covered including the Supercharger and Kenny Brown suspension!

This is the list they have on file:

Exterior:
Steeda GT Splitter
Cobra "R" Hood w/extraction vents
Cobra "R" wing
Cobra "R" wheels, powdercoated white
"Roush" rear panel blackout
ATS Sequential rear turn signals
Mach 1 Billet Gas Door
Mach 1 grille delete
Bi-Xenon HID headlights
Kenny Brown Sub frame connectors
Ford Racing Drive shaft Loop


Interior:
1 of 98 Mustangs with "FR 500" leather seats
Mach 1 pedals
Mach 1 shifter bezel
Whitefaced gages
35% tint

Engine:
Vortech V2 SQ Supercharger
Wide band O2 sensor
Dynojet Wideband Commander
SCT Tuner

FRP 42# Injectors
Morpheus Power Pipe
"Dragon" ported and polished Intake Elbo
Ford Racing 70mm Throttle Body
K&N filter Custom Cam Covers

Suspension:
Tokico 5-way Adjustable Struts and Shocks
Bullit 13' PBR/Brembo Brakes
Ford Racing "C" Springs
Kenny Brown Lower Control Arms
Steeda Strut Tower Brace
Steeda Offset Steering Rack Bushings
Kenny Brown Panhard Bar

Driveline:
Ford Racing Aluminum Driveshaft
Steeda TriAx shifter
King Cobra Clutch
Steeda Billet clutch quadrant

 

American Family insurance has this type of additional insurance as well.

 

Wow, that's a good deal. If State Farm won't do that, I may have to switch.

 

Tommy... I'm not sure of the term "endorsement insurance", but perhaps that is what it's called. I've been with my insurance for so long, all I do is tell him what mods I put on the car and how much it's worth, and he adds it on. I would assume street legality is a must. All my mods are, I guess.

But yeah, just call your insurance and tell them you had x and x added and it's worth y and y, then voila.

 

I'll try it, thanks.

 

Every insurance company calls it a different thing, but ask for an aftermarket equipment rider and they'll know what you're talking about. Normally they just ask for the replacement cost of the mods and factor the additional coverage into your premiums.