Info needed on insuring heavily modified JK's - JKowners.com : Jeep Wrangler JK Forum
 
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post #1 of 7 Old 03-18-2015, 10:34 AM Thread Starter
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Info needed on insuring heavily modified JK's

Many of us end up with a lot of money invested in our vehicles. If stolen or totaled we want more than a few thousand above book value from our insurance company.

I figure that with an LS, 6L80 trans, dynatrac axles, etc it would cost me 90k to replace my rig. My main insurance company (USAA) will only go 5000 above book value. On the recommendation of some folks from the Mile High Jeep Club I went with American Family Insurance. I have recently been told by two people that they are horrible on paying claims. The first was a roofing contractor who said that they are the worst of all companies for paying for home roof damage. The second was my wives assistant whose uncle was an American Family agent who had sold a lot of policies in the town he lived in. He had to quit selling it because people got so angry with him when they had a claim and weren't taken care of.

So the question is have any of you found any companies that will insure for what it would cost to replace or repair our vehicles and who pay claims well?

08 JKU Rubi, GM 6.2 LS, 6L80 6 sp automatic, Atlas 4 sp TC, Dynatrac ProRock 80 rear and in front PR60 w RCV shafts, DynaLock w Stub hubs, 4.88 gears and ARB Lockers, 4.0" lift, Synergy Long Arm, King coilovers, 40" Nitto's, Hutchison Rock Monster wheels, GenRight alum bumper and fenders, GenRight 20 gal aux gas tank, PSC steering, Warn Zeon 12K.

2nd Jeep is a 2014 Grand Cherokee Overland with a 5.7 Hemi, Quadra-Lift Suspension and Quadra-Drive II. My wife says I can't do anything to it!
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post #2 of 7 Old 03-18-2015, 11:01 AM
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I got an "agreed value" policy through Progressive....... i couldn't find anybody else at all who would insure it.... or even think about insuring it.

I'm sure there are some loop holes or areas that they could side step a claim but it is what it is....

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post #3 of 7 Old 03-18-2015, 11:19 AM
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sirch...

https://www.jkowners.com/forum/showthread.php?t=90890

'12 White JKUR

Rugged Ridge Modular XD bumper w/9500 winch
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post #4 of 7 Old 03-18-2015, 11:21 AM
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Originally Posted by [email protected] View Post
Many of us end up with a lot of money invested in our vehicles. If stolen or totaled we want more than a few thousand above book value from our insurance company.

I figure that with an LS, 6L80 trans, dynatrac axles, etc it would cost me 90k to replace my rig. My main insurance company (USAA) will only go 5000 above book value. On the recommendation of some folks from the Mile High Jeep Club I went with American Family Insurance. I have recently been told by two people that they are horrible on paying claims. The first was a roofing contractor who said that they are the worst of all companies for paying for home roof damage. The second was my wives assistant whose uncle was an American Family agent who had sold a lot of policies in the town he lived in. He had to quit selling it because people got so angry with him when they had a claim and weren't taken care of.

So the question is have any of you found any companies that will insure for what it would cost to replace or repair our vehicles and who pay claims well?
Hey Chuck,

I had good luck getting mine insured through Travellers. They let me add the swap & accessories to the value of the Jeep. I also added my wife's accessories that I put on her Jeep which was just $ 5,000.00 opposed to $ 20,000.00 on mine. You should get a good rate living in a smaller town.

2014 JKU, red, 2.5" AEV lift,6.4L VVT, 35" Duratrac's. 4.10, Gen Right bumpers, VR 8000 winch, Pro Rock 44.
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post #5 of 7 Old 03-22-2015, 06:19 PM
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I posted in the other thread but I finally found an insurance company that will insure my extra's on my jk on top of the actual vehicle replacement cost. I have 30k additional coverage on my jeep plus full coverage on a 07 grand caravan for roughly 2k a year. The company is QBE.

08 JKU 6.0 LC8 6L80 Atlas 2 39" KM3's on Trilogy race beadlocks, prorock 44,rcv's arb front. rock jock 60 rear 40spline shafts,arb 5.13's and a bunch of other stuff
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post #6 of 7 Old 03-22-2015, 07:54 PM
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Haggerty does policies for agreed cash value. You are basically taking out a policy for a max value. If you want to pay premiums on the full value that is the way to go.
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post #7 of 7 Old 03-22-2015, 08:11 PM
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I just googled American Family Insurance and I suggest you do the same. I googled American Family Insurance Colorado". You may change your mind.

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