Hi All,

My insurance renewal came up and I finally took the time to read the contract to see what coverage is included for all the "crap" I have on my 4Runner. Turns out my carrier includes $1,500 of Special Vehicle Equipment coverage. The definition is non-OEM equipment permanently mounted to the vehicle and would cover the common things such as aftermarket stereo or wheels or perhaps a roof rack or a bed cover for a pickup. But, for those of us with a bunch of non-OEM things purchased and installed over the years, we are terribly under insured.

So, to insure all my crap I put a list together along with receipts totally $14,000 (the RTT was the biggest offender) and now I am insured for all this extra crap for an extra $200 per year. It seems pretty reasonable adder which I would otherwise hate myself if the truck got stolen or totaled in an accident.

Just sharing.....