Accessories & Custom Parts Coverage
Standard UTV/side-by-side policies cap custom parts and equipment coverage at $500–$2,000. If you have light bars, suspension upgrades, audio, or a cage, that cap is gone before you list three items. Specialty scheduled accessories coverage available.
UTV & Side-by-Side Accessories Coverage
The standard custom parts and equipment (CPE) limit in major UTV insurance policies:
- Progressive: $500–$2,000 CPE rider (varies by state and policy)
- GEICO: $500–$1,500 standard CPE
- Allstate: $500–$2,000 CPE
Now consider common aftermarket additions to a sport SSV:
- Baja Designs Squadron Sport light bar setup: $1,200
- STI HD10 wheels (4): $1,600
- Aftermarket cage and roof combo: $2,500
- Rockford Fosgate audio: $2,000
- Fox 2.5 coilovers upgrade: $2,800
- Total: $10,100
Against a $2,000 CPE cap, $8,100 of that investment is uncovered. And this is a moderate build. Heavily modified sport SSVs regularly carry $15,000–$30,000 in aftermarket content.
What Counts as a Custom Part or Accessory
Wheels and tires beyond OEM specifications, light bar systems and accent lighting, audio and entertainment systems (head units, amplifiers, subwoofers, speakers, Bluetooth components), aftermarket cages and roll cage extensions, roofs, doors, and windshields, suspension upgrades (shocks, A-arms, radius rods, billet axles), winches and recovery equipment, GPS and communication equipment, performance modifications (turbo kits, exhaust, intake), aftermarket seats, harnesses and safety equipment, snorkels and water crossings equipment.
How Scheduled Accessories Coverage Works
Scheduled accessories means each item is listed in the policy with its replacement value. If that item is lost or damaged in a covered event, the policy pays the scheduled value — no depreciation argument, no ACV discussion.
This is different from a blanket CPE limit. A blanket $5,000 CPE covers your entire accessories investment up to $5,000. Scheduled coverage lists each item individually — your $1,200 light bar is covered for $1,200; your $2,800 coilover upgrade is covered for $2,800.
Agreed Value as the Complete Solution
For builds with $10,000+ in aftermarket content, bundling everything into a single agreed value — stock machine value plus all modifications equals one agreed total — is often cleaner and more complete than scheduling every item individually. One agreed value, no per-item disputes, coverage for the total build.
What's Covered
Frequently Asked Questions
For most sport SSV owners, $2,000 is not enough. A single light bar setup, one shock upgrade, or one audio install can exceed $2,000 alone. If your total aftermarket investment is over $3,000, you need either higher scheduled accessories limits or agreed value coverage that includes all mods.
Receipts make the process faster and support the value claims. Without receipts, professional appraisals, online product research, and shop estimates can document value. The more documentation you have, the smoother a claim goes.
Contact us to add newly installed accessories to your coverage. Accessories added mid-term and not disclosed are generally not covered at claim time. We can endorse the policy to add new items as you build.
Yes. A winch permanently installed on the machine is a custom part/accessory. Include it in your accessories schedule with make, model, and cost. Standalone recovery gear (straps, hi-lift jack not mounted to the machine) is personal property — check your policy for limits on gear.