Jeep Wrangler Rubicon parked on slickrock desert terrain, front quarter angle, aftermarket steel bumper with trail dust on fenders, sky blown out behind it
Shield
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Jeep-Specialist Insurance Brokerage

Your Jeep
isn't stock.
Your policy
shouldn't be either.

Generic carriers write policies for stock Compasses in suburban garages. Shield writes policies for lifted Wranglers, winch-equipped Gladiators, and builds worth more than some houses.

See What's Not Covered
Aftermarket PartsFully Covered
Trail DamageCovered
Winch LiabilityCovered
Recovery TowUp to 150mi
Coverage Comparison

The Versus Chamber

Scroll through what your current policy actually says about your build — versus what Shield writes specifically for it.

Coverage Item
Generic Policy
Shield
Aftermarket Parts
Lift Kit & Suspension
Winch & Recovery Gear
Trail Damage (rocks, obstacles)
Rooftop Tent
Recovery Tow Distance
Steel Bumper (front/rear)
LED Light Bar

8 coverage gaps. How many does your current policy have?

Get your personalized gap analysis — takes under 60 seconds.

2,400+
Modified Jeeps Insured
$47M
Aftermarket Parts Covered
98%
Claims Paid Without Dispute
4.9★
Owner Rating
One Mod. Fully Exploded.

What your current carrierwould actually payon a $11,150 build.

We took a real 2023 Wrangler Rubicon with common aftermarket mods. We ran it through a standard Progressive policy and a Shield policy. The difference is what we built this company to fix.

Generic Carrier Payout
$880
of $11,150 build
Shield Payout
$11,150
full replacement value

Suspension Lift Kit (Fox 2.5" coilovers)

$4,200
Generic Carrier
Classified as performance modification — voids collision coverage
Shield Policy
Full replacement cost, documented install date

37" BF Goodrich KO2 Tires (set of 5)

$1,850
Generic Carrier
Pays out at OEM tire size only (~$600 total)
Shield Policy
Insured at installed size and brand, $1,850 covered

Warn Zeon 10-S Winch

$1,100
Generic Carrier
Off-road equipment exclusion — $0 paid
Shield Policy
Recovery equipment rider included as standard

Rough Country Front Steel Bumper

$680
Generic Carrier
Pays OEM plastic bumper replacement (~$280)
Shield Policy
Aftermarket bumper value covered in full

Rigid Industries 40" LED Light Bar

$520
Generic Carrier
Electrical modification — excluded from comprehensive
Shield Policy
Covered under accessory protection, no deductible

Ikaika Rooftop Tent

$2,800
Generic Carrier
Cargo exclusion — file with homeowners (good luck)
Shield Policy
Rooftop tent rider, up to $3,500 replacement

This is one build. Your build has its own gaps. Find them in under 60 seconds.

Real Owners. Real Claims.

The claim room.

Four stories. One pattern — generic carriers fail modified Jeeps at exactly the moment they need coverage most.

Trail Damage$6,200
"Hit a ledge on Hell's Revenge and bent my front axle housing. Previous carrier said my lift voided the claim. Shield paid $6,200 without a single argument. That's the difference."
MD
Marcus Delgado
Moab, UT
2022 Wrangler Rubicon 392
Build3.5" lift, 40" Toyo Open Country, Warn Zeon 12-S
Theft — Overland Equipment$4,400
"Someone broke into my Gladiator at a trailhead and took the rooftop tent and fridge. My old policy called it "cargo." Shield called it covered. Got a check for $4,400 inside a week."
PV
Priya Venkataraman
Flagstaff, AZ
2021 Gladiator Overland
BuildIkaika RTT, ARB fridge, Rigid Industries light bar
Switched Before First Claim
"I asked my Geico agent if my lift was covered. Three transfers later, someone told me "probably not." Called Shield, got a quote in 10 minutes, everything documented. I should have switched two years ago."
TO
Tyler Okonkwo
Bend, OR
2023 Wrangler 4xe Sahara
BuildTeraFlex 2.5" lift, 35" KO2s, Smittybilt front bumper
Total Loss — Mods Excluded$9,000 gap
"A deer totaled my Jeep on a mountain road. My previous carrier valued it at stock — didn't count the $9,000 in mods I had documented. Shield would have covered the full build value. Lesson learned the hard way."
CH
Cassidy Hartwell
Durango, CO
2020 Wrangler JL Sport S
BuildRancho 3" lift, 37" Nitto Trail Grapplers, custom rock sliders
Jeep Wrangler at canyon rim at golden hour, warm amber light across desert landscape, trail dust in the air
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