Whether you’ve added custom wheels, a lift kit, premium sound system, or special lighting, your standard auto insurance may not cover the full value of those upgrades. That’s where Custom Parts and Equipment (CPE) Coverage comes in.

At Riseson Insurance , we help drivers across Tempe , Phoenix , Tucson , Scottsdale , Gilbert , and Chandler protect their custom vehicles the right way — with affordable coverage designed for aftermarket additions.

CPE Coverage (also known as custom or aftermarket parts insurance) is an add-on to your standard auto policy that covers non-factory modifications and enhancements made to your vehicle.

It applies to:

Custom paint or wraps Lift kits or lowered suspensions Rims, tires, spoilers Sound systems and subwoofers Light bars and off-road lighting Interior upgrades (leather, racing seats, tech)

Without this coverage, you're likely only protected for the stock value of your vehicle — and not the thousands you’ve put into customizing it.

Aftermarket parts are a major investment — and unfortunately, a big target for theft and damage. Whether it’s a fender bender or a stolen stereo, you shouldn’t have to pay out-of-pocket to replace your upgrades.

CPE insurance protects the value of your customizations in case of:

Accidents Theft or vandalism Fire Weather-related damage

CPE coverage is surprisingly affordable — often just a few extra dollars per month. You can typically add up to $5,000–$10,000 or more in custom parts coverage to your existing policy.

Pricing depends on:

Type of vehicle Value of upgrades Location and use (e.g., show car vs. daily driver)

At Riseson Insurance , we’ll help you calculate the true value of your modifications and make sure you’re not underinsured.

We’re not just insurance experts — we’re part of your community. As a local, independent agency , we help drivers throughout Phoenix, Tempe, Tucson, Chandler, Gilbert, and Scottsdale find the right policy at the right price.

You’ll get:

Fast, personalized quotes Expert guidance on CPE limits Coverage from top-rated insurance carriers

Love your ride? Then protect the parts that make it yours. Call Riseson Insurance today at 602-460-5470 for a free quote on Custom Parts and Equipment coverage.

We’ve got your upgrades covered — so you can drive with confidence.

What Is Custom Parts & Equipment (CPE) Coverage?

Why You Need It

How Much Does It Cost?

Why Choose Riseson Insurance?

Get a Free Quote on Custom Parts Coverage

• Custom paint or wraps
• Lift kits or lowered suspensions
• Rims, tires, spoilers
• Sound systems and subwoofers
• Light bars and off-road lighting
• Interior upgrades (leather, racing seats, tech)

• Accidents
• Theft or vandalism
• Fire
• Weather-related damage

• Type of vehicle
• Value of upgrades
• Location and use (e.g., show car vs. daily driver)

• Fast, personalized quotes
• Expert guidance on CPE limits
• Coverage from top-rated insurance carriers