I use all state
They'll cover up to 8K for my 78 40. If I totaled it, I can rebuild for less than that. Mine is camoflauge green so maybe that's not enough coverage for you. With recipts they'll cover more. There are not "off road" restrictions. My buddy took his 94 tacoma swimming and they totaled it at $5000. Got an 'O2 and kept the 94 for $800. A new motor is currently being installed.
98 uzj100. Factory rear-ARB front locked 4.88's. ARB Bull, Warn 9000, Irbis rear bumper, Slee sliders and belly pan. OME t-bars w/863 rears, HID, XM