Reviving this thread to see if anyone out there has found a company that will cover an MJ without a list of exclusions. I was just looking at Hagerty for trucks and SUV's and they consider a brush guard, roll bars and toolboxes; "Extreme Off-Road Modifications". https://www.hagerty.com/insurance/classic-car-insurance/does-my-vehicle-qualify/trucks-and-other-utility-vehicles
I use my truck as an almost daily driver, but I've dropped some coin on it. I don't consider it a show truck. I just wouldn't want to hear, "Sorry, it's 30 years old. It was nice, but here's a check for $2200".