i think it does depends on the company some. I know with State Farm anything on my car or Jeep is covered as a long as i have.. comprehensive coverage... I think thats what it is called. Either way, I would definitly call and talk to a few diffrent people at your company first before you do anything else.
As for your dealer... I am pretty sure it is still just one wire harness if you have power everything or just a door so taking the doors off would not have been harder except they may weigh a few more lbs.
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2006 LJ - current
2007 4dr Rubicon - sold Project- JK
2007 2dr X - sold JK-forum