Read it again. It starts with:I've never had any kind of insurance policy that I could make sense of. In your example above, I have no idea how FSD would fit in.
Hence FSD is not "custom parts or equipment." Given only custom parts or equipment are excluded in my policy, it's covered. This is not hard legal-ease. It's just simple English.“Custom parts or equipment” means equipment, devices, accessories, enhancements and changes, other than those offered by the manufacturer specifically for that auto model....
That's why I never shop for insurance based on price.
Not to be a snot, but I'm not sure what you're shopping on if you're not using price, you don't know what coverage you have, and you aren't reading the contract....I don't think I have "replacement cost" coverage. I probably just have market value coverage.