Insuring a truck with custom tray bed

[Pundy]

I just built a custom bed for my truck (like a Bowen tray bed) and my insurance company (USAA) won't allow me to add anymore than $5,000 to the value of my truck. Does anyone have any suggestions on how to deal with this?

 

[CFMGarage]

You might try Hagerty. They do agreed value, but I'm not sure if they insure all vehicles.

 

[Rovertrader]

Farm Bureau does agreed value and they are very familiar with flatbeds/traybacks.

 

[Kingsize24]

Yep. Same here. We did agreed value, sent pictures and receipts of everything. Presented our value, and got it insured for that amount.

 

[montechie]

Farm Bureau does agreed value and they are very familiar with flatbeds/traybacks.

I'll second Farm Bureau, I haven't done a tray, but several other agreed value items through them like custom camper setups.

 

[Pundy]

Awesome, thanks for all the responses!

 

[Pundy]

Ok, I'm back. I tried both Hagerty (they won't insure a truck as new as mine) and Farm Bureau (they won't insure a truck in Maine). Any other thoughts?

 

[Kingsize24]

Interesting. Farm Bureau must not be in operation up there then. Maybe RV insurance?

 

[K9LTW]

Have zero experience with them, but maybe try Tredder? Seems to be a company that insures the extras while your "normal" insurance company insures the general vehicle. Saw them in EJ and ads on the podcast.

 

[Sparse Gray Hackle]

USAA is pretty hard to beat in terms of service and no questions asked. I wonder if you could get a rider from another company to augment your current policy.

Or, take the risk for anything above $5,000.

 

[kmacafee]

State Farm insures my flatbed through a rider.

 

[Pundy]

Update: I just started a policy with Tredder. It just covers my tray bed, and other various mods that I have made to the truck. Fingers crossed! Thanks for all the replies.