What is not covered under my auto policy?
Wear and tear, freezing, mechanical breakdown, road damage to tires, tapes, CDs and other personal property. These may be covered under your homeowners insurance. Any customization you do to your vehicle after it is purchased, unless you notify your insurance company and proper coverage and endorsements are added to your policy. All sound reproducing equipment like stereos, speakers, CD players and TVs must be permanently installed. A cell phone may be covered if it is permanently installed and covered under a special endorsement. There is a $1500 limit on the coverage of sound reproducing equipment.
