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The state of Texas limits insurance companies liability to $1500 on theft/loss of automobile audio systems. There are many "high-end" audio systems worth much more than that. You have the OPTION to purchase ADDITIONAL coverage and pay the additional premium. Many insurance companies do NOT COVER "woofer boxes" that are not "permanently installed, ie, screwed down. Any questions, e-mail me. I work for a stereo company heavily involved with insurance replacement of stolen car audio.