I didn't get the stated value thing but my deductible is $100 dollars. And anything not connected or having to do with the Jeep( celly, CD case) is not covered. But I just document with recipts and sometimes pictures of upgrades.
The only thing I don't like is that the doors have to be locked inorder to have coverage on somethings, I can't explain b\c I don't understand, and I don't lock my doors any way. Just get a low deductible if you are concerned about people swiping things off your Jeep or get the "Stated Value" thing if you are Very very concerned. You will get the coverage but you will pay for it. I am 18 so I pay 1800 a year any way, I don't really notice that much difference for the additional coverage. Or another route is to find a car collectors insurrane firm. My Dad recently switched from state farm to some private firm and now saves atleast $300 dollars on the new policy. The only drawback is that it might have to be a classic car or something, and you have to have a very low "stated" mileage or low useage. BUt they don't check how often he drives it, and its not like he drives it more than once a week. However your Jeep might not be just a trail Jeep it might be your daily driver also.
91 YJ, 4" lift, 33" BFG MT, Herculined tub, Stockie 4 banger, and no money