Physical Damage for custom trucks

ACV physical damage pays current market value minus depreciation. Agreed value physical damage pays the full agreed amount — which for a custom truck can be significantly higher.

Standard comprehensive covers the vehicle but may sub-limit or exclude aftermarket parts. Pairing with CPE coverage closes that gap.

Cost depends on the truck's agreed value, modification list, use (daily, show, storage), driving record, and state. We quote your actual truck in about 15 minutes — never a generic estimate.

Yes. Contractors Choice Agency is licensed in all 50 states and writes custom and modified truck programs nationwide — Texas, Arizona, California, Florida, Tennessee, Georgia, and everywhere in between.

Typically 15 minutes on a call. Very high-value builds or specialty fleet programs may take a day or two to place with the right markets, but we move fast and set expectations up front.

Often yes. We have admitted and E&S markets for trucks declined over modification level, build value, show use, or prior loss history. Bring us your situation and we'll find a market.

Usually yes. A coordinated program closes gaps between policies and is typically cheaper than separate policies — and far easier to manage at claim time.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated carriers so when a $50,000 custom build totals, the carrier is there to pay the agreed value without a dispute.

Yes. We can place builder's risk or inland marine coverage on a truck under construction so the parts and the work-in-progress are covered during the build before the truck is on the road.

Under agreed value coverage, the insurer pays the full insured amount stated on the policy — no debate about book value or depreciation. Proper agreed value is what ensures a show truck claim pays what the vehicle is actually worth.

Year, make, model, modification list with values, lift height, use (daily, show, storage), agreed value, current insurer, and loss history. The more detail, the more accurate the quote.

With the right endorsement, yes — transit to events and on-display coverage are added for show trucks. Tell us how and where the truck is shown and we'll add the right event coverage.

Modifications can affect rates, but agreed value coverage ensures you're insured for what the truck is actually worth — lift included. The goal is accurate coverage, not just a lower price on the wrong policy.

Report them and update your agreed value. Unreported modifications at the time of a loss can reduce the payout. We make it easy to call and update your coverage when you add parts.

Yes. If you own multiple custom trucks or operate a fleet across locations, we build one coordinated program covering all vehicles with no gaps between policies.

Yes. Show trucks and builds that are stored seasonally can be placed on a lay-up or storage endorsement — which reduces premium while the truck is off the road and maintains agreed value coverage.