Truck Insurance Cover Custom Equipment & Wet Lines
In this brief informational segment, Hunter Nelson explains that modifications and permanently attached equipment on trucks—such as wet lines, custom bumpers, upgraded tires, and interior decking—are not automatically covered under standard physical‑damage insurance policies. He advises owners to obtain additional coverage often labeled “permanently attached equipment” or “custom equipment.” While many insurers (e.g., Progressive) provide a default blanket limit of about $2,000, some truck owners secure higher limits ranging from $5,000 to $10,000 for these items. Nelson emphasizes that insurers typically do not inquire whether the policyholder actually needs this extra coverage, so it is the owner’s responsibility to ensure it is in place.
