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TRUCK TOPPERS AND INSURANCE

Discussion in 'Toyota Trucks & SUVs' started by CRIMAR30, Apr 11, 2011.

  1. Apr 11, 2011 at 5:28 PM
    #1
    CRIMAR30

    CRIMAR30 [OP] Well-Known Member

    Joined:
    Feb 8, 2009
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    #13428
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    155
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    First Name:
    MARK
    NORTH CAROLINA
    Vehicle:
    KATZKIN, TOW PKG, '09 SR5 Prerunner, sunroof,
    Webasto 740 power sunroof,Nasta steps,Bug Shield,Bed mat,Truck box,A.R.E. MX camper shell
    Does anyone know if you need to insure your topper, or if it is just covered by your existing insurance policy?
     
  2. Apr 11, 2011 at 5:31 PM
    #2
    Pugga

    Pugga Pasti-Dip Free 1983 - 2015... It was a good run

    Joined:
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    #39131
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    Mike
    Massachusetts
    Vehicle:
    '13 Ford F-150 SCREW
    F-150 Mod
    sub'd for responses... I bought one recently and didn't even think about it.
     
  3. Apr 12, 2011 at 5:19 AM
    #3
    Brunes

    Brunes abides. Staff Member

    Joined:
    May 31, 2008
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    #7011
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    First Name:
    Rotorhead
    Big Easy, USA
    Vehicle:
    08 Red/Graphite and Satin Black
    Inside: Tint, Wet Okole 1/2 Piped Red/Black Covers, Black Weathertech Digital Fit Mats, URD Short Throw w/ TWM Weighted Knob, USA Spec iPod adapter. Outside: 4300K Retro w/ Angel Eyes and Red Shrouds, 5000K Blazer Fog Light Retrofit, Debadge, Bed Locking Handle, Satin Black Rims Performance: TRD/Steigmeier Blower w/ 2.7 Pulley. 668 Injectors and 320 LPH AEM Fuel pump. URD UCON and 7th Injector. DTLT Headers, URD Y-Pipe, Wicked Flow Muffler. Suspension: Both: OME Shocks Front: 886X's and TC UCAs Rear: Dakars Armor: Relentless Front Bumper Relentless High Clearance Rear w/ Tire/Rotopax Swing Out Relentless Front, Mid, and TCase skids BAMF Diff Skid Recovery and Spares: Fullsize Spare Tire 2x2 gal Rotopax 1x1 gal Rotopax 1x1 gal Water Rotopax Warn 9.5XP-S Winch Hi-Lift Extreme 60" Ironman Off-Road Recovery Kit Upcoming: ATO Gas Tank Skid and Sliders w/ kickout. ATO Shackle Flip Kit. Down the line: Front/Rear ARB Lockers w/ OBA. 4.56 Gears
    You probably want to look at your policy and check. Most policies I've ever had included some amount of aftermarket parts coverage (1K-3K in parts) if you had receipts.
    You can also schedule the topper into your coverage (might bump your premium a few bucks) but that way you know it's covered.
     
  4. Apr 12, 2011 at 5:23 AM
    #4
    Pugga

    Pugga Pasti-Dip Free 1983 - 2015... It was a good run

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    Male
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    Mike
    Massachusetts
    Vehicle:
    '13 Ford F-150 SCREW
    F-150 Mod
    Good to know, I might have to call my insurance company and find out what they do/don't cover as far as aftermarket stuff. Thanks for the info and good thread, OP.
     
  5. Apr 12, 2011 at 5:27 AM
    #5
    bamma

    bamma Well-Known Member

    Joined:
    Apr 14, 2008
    Member:
    #5974
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    271
    Vehicle:
    07 silver acc cab trd OR 4x4
    GEICO increased my premiems by $6 a year to cover my shell.
     
  6. Apr 14, 2011 at 6:02 PM
    #6
    4getful

    4getful Senior Junior Member In Training

    Joined:
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    Dan
    Gilbert, AZ
    Vehicle:
    09 DCLB 4X4
    6" Pro-Comp Stage 2, 35x12.50x20 ProComp Xtreme All Terrain, 20" KMC Revolvers, 4.88 Gears, Banks Exhaust De-Badged
    State Farm covers everything as long as there are receipts. I originally called when I got my truck lifted and they told me to keep all of the receipts to show what was on the truck.
     
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