Why might someone choose custom coverage?

Choosing custom coverage is a strategic decision made by individuals who own modified vehicles or high-value possessions that require specialized protection. Standard insurance policies often do not fully cover unique features, aftermarket modifications, or the true value of certain possessions. Custom coverage is designed to address these specific needs, providing the necessary protection for items that may be at a higher risk or have a unique value compared to standard or factory models.

For instance, if someone has a classic car with significant aftermarket modifications, a custom coverage policy can ensure that any repairs or replacements can be adequately funded in the event of a loss. This is particularly important for high-value items, as their worth might exceed the limitations of a standard auto insurance policy. Custom coverage protects these investments and offers peace of mind to the insured.