Specialty Vehicles That Need Custom Insurance (And Why) 

Not all vehicles fit neatly into standard auto insurance policies. Specialty vehicles, ranging from classic cars to food trucks, often require custom insurance to address their unique risks, values and usage patterns. Without tailored coverage, owners may find themselves underinsured or facing costly gaps in protection.

Classic and Antique Cars

These vehicles are prized for their historical value and rarity, not their utility. Standard insurance typically covers actual cash value, which doesn’t reflect the collectible worth of a restored 1965 Mustang or a vintage Porsche. Custom insurance policies offer agreed value coverage, helping to reimburse owners for the full appraised value in case of loss.

Recreational Vehicles (RVs)

RVs combine elements of a vehicle and a home, making their insurance needs more complex. Custom RV insurance can include coverage for personal belongings, liability while parked and even emergency lodging expenses. It can also account for seasonal use and long-distance travel, which standard auto policies may not accommodate.

Food Trucks and Mobile Businesses

These vehicles serve dual purposes: transportation and business operations. A custom policy can include commercial liability, equipment coverage and business interruption protection. Without it, owners risk losing income and assets if the truck is damaged or involved in an accident.

Off-road Vehicles

Off-road vehicles, such as all-terrain vehicles, dirt bikes and snowmobiles, are often excluded from regular auto policies. Custom insurance can include coverage for off-road use, trailering and specialized gear. Policies may also offer liability protection in case of accidents on private or public land.

Luxury and Exotic Cars

High-end vehicles like Lamborghinis or Bentleys typically require more than standard coverage due to their high repair costs and theft risk. Custom insurance can include agreed value, roadside assistance tailored to exotic cars and coverage for original manufacturer parts.

Learn More

Specialty vehicles often represent significant financial and emotional investments. Custom insurance helps align coverage with the vehicle’s actual use and value. For specialized vehicle insurance near you, contact Castillo Insurance & Income Tax Service.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information