The short answer
Standard auto policies exclude or sub-limit custom parts to $1,000–$5,000. Add a Custom Parts and Equipment (CPE) endorsement listing each modification with receipts to insure aftermarket wheels, audio, wraps, lift kits, and interior mods. Performance modifications (turbos, ECU tunes) may void collision coverage entirely at some carriers — disclose or expect denial.
Frequently asked
- Do I need appraisals?
- For anything over $2K, insurers usually require receipts and photos. High-end builds may need a professional appraisal.
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