I currently have Liberty Mutual, and to say I am less than impresses would be an understatement, but that is for a different thread. Liberty Mutual does not cover more than $500 in modifications. What insurance company do you use and do they cover your off road modifications? Lift, bumpers, racks, etc? or did you have to have them do an inspections of it? And before someone tells me to use USAA, I am not military or a veteran, so that is not an option.