What is Special Equipment Coverage?

Did you know that those brand new custom wheels that you just bought for your car or truck may not be covered under your insurance policy without purchasing a special equipment endorsement? That’s right, any custom equipment that you add to your auto whether it be a special audio system, wheels, tires, custom engine chrome, special bumpers, etc., that did not come installed from the factory originally must be scheduled separately from your regular coverage.  

Custom paint jobs and custom interiors must also be scheduled separately.  If you have installed custom equipment on your auto, be sure to ask your agent or broker if you need to have a special equipment endorsement on your vehicle or risk not having your assets covered in the case of a loss.