Aftermarket modifications above factory spec aren't covered by default. A lift kit, performance tune, or custom paint job needs to be specifically scheduled.
Custom Equipment endorsement
Most carriers include $1,000–$1,500 of custom equipment automatically. Above that, you need a Custom Equipment endorsement listing each modification with receipts.
Performance modifications red flag
Engine swaps, turbo kits, and ECU tunes can move you to a non-standard market or get coverage denied entirely. Disclose everything in writing.
Documentation
- Keep receipts for every modification
- Photograph the modifications from multiple angles
- Provide an itemized list to your agent
- Update the policy whenever you add or change modifications
Frequently asked questions
Are aftermarket wheels covered?
Only if disclosed and scheduled — factory wheels are covered by default.
What happens if I don't disclose a modification?
Physical damage related to that modification may be denied entirely.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.