Have an agent you can discuss these type of things in the "what if" tense honestly *before* you buy anything.
Some nazi insurance companies won't cover you, but most would be happy to raise your premiums or sell you rider policies to cover the extras. If anything besides stock is covered, there is usually a specified dollar allowance. (For example, my allstate agent told me <$4000 worth of stereo stuff was fine for my last car. More than that, we need to talk.)
Anyway, have an agent you can talk to. And if you have Geico, don't even bother talking just SWITCH NOW.