Custom Parts & Equipment Insurance

Your standard auto policy covers the factory vehicle. Custom parts and equipment (CPE) coverage covers everything you've added to it. This is one of the most important and most misunderstood components of Jeep insurance. Most Jeep owners assume their aftermarket bumper, lift kit, and winch are covered under their regular policy. They're not — at least not without a CPE endorsement or rider specifically listing those items. CPE insurance is the mechanism by which your modifications become insured property. It can cover individual items, or you can insure all your aftermarket additions up to a blanket limit. For Jeep owners, this coverage category often represents the most money at risk in the event of a theft or total loss.

How Coverage Works for Your Build

CPE coverage can be structured in two ways: blanket coverage (a single dollar limit that covers all aftermarket parts up to that amount) or scheduled coverage (individual items are listed with their own values). For most Jeep owners, we recommend a combination — schedule the highest-value individual items (winch, custom bumper, lift kit) and use a blanket limit for smaller components. This ensures your most expensive parts have guaranteed coverage while simpler items are covered under the general limit. We'll help you inventory your build and structure the coverage appropriately.