A lot of companies will allow you to buy extra coverage for installed parts. I know that Progressive comes with $1k included with their insurance, and you can buy up to $5k more. If I remember correctly, State Farm doesn't have a cap on how much extra coverage you can buy.
From Progressive's Website:
Quote:
For: Accessories
This protects you if items you add to your car get damaged; we pay to repair or replace them. We protect accessories like stereos and TV equipment, navigation systems, phones, custom grilles and spoilers, and custom paint.
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