You bring up a good point about "talking to your insurance man". Not all insurance policies are alike.
I have American Family and they'll pay me for the cost of accessories provided I can show receipts.
It's a rider to the policy that costs a tad more, but provides this important coverage.
You are so correct about the price of this stuff going through the roof. With my second Valk, I actually have more chrome on it than the one that was totalled. But it was painfully expensive to get it there.
