Specified Perils coverage is similar to Comprehensive coverage but has a specific list of the risks that are covered. Therefore it is not as expensive as Comprehensive coverage. Protect your vehicle against risks from weather, theft, fire and more without affecting your Claim-Rated Scale.
Your vehicle is covered if it is lost or damaged by any of the following:
(Risks not covered by Specified Perils include: vandalism, malicious mischief, windshield damage or hitting an animal.)
Specified Perils also comes with a few money-saving extras:
Coverage begins 72 hours after the theft is reported to police and ends on the earlier of:
You might want to consider Excess Special Equipment coverage. With this endorsement, you can insure non-manufacturer's equipment worth more than $5,000, or sound and communication equipment worth more than $1,000.