What kind of coverage would specifically cover a custom-made add-on to a vehicle?

The coverage that would specifically cover a custom-made add-on to a vehicle is the customized equipment endorsement. This endorsement expands the coverage of a personal auto insurance policy to include modifications, upgrades, and custom parts that are not originally included in the vehicle's standard features.

This type of coverage is crucial for vehicle owners who have invested in aftermarket additions, such as specialized rims, custom audio systems, or performance upgrades, as standard auto insurance may not cover these enhancements in the event of a loss or damage. The customized equipment endorsement ensures that the value of these additions is protected, reflecting the unique investments that vehicle owners make in personalizing their vehicles.

Liability coverage primarily addresses injuries or damages caused to others in an accident for which the policyholder is at fault, while property damage coverage pertains to damage inflicted upon another person's property by the insured's vehicle. Comprehensive coverage protects against non-collision-related incidents, such as theft or natural disasters, but does not specifically focus on custom modifications. Therefore, the customized equipment endorsement is specifically tailored to meet the needs of vehicle owners who have personalized their cars, ensuring those enhancements are covered.