You know, at one point I even called and talked to them about it. Instead of insuring as a 4x4 they wanted me to catalog all the "aftermarket" accessories and bolt-ons. I guess the coverage is normally limited to a certain $$ amount, I did not ask how much because I knew it was not enough. Now that I am moving I will probably go through all of that with the next insurance policy, just so that it is covered. I mean seriously, will they care if it is wrecked that it has $1300 in the t-case alone? Probably not.