Switch to AAA they'll take care of you on or offroad. Not to mention AAA is a member-owned not-for-profit company which is typically less expensive than most other companies. And they won't drop you for minor issues like some will.
They gave me no less than 2-3X more than I expected after my previous TJ was stolen. They didn't know about any of my add-ons and upgrades until I gave them a 3 page spreadsheet itemizing everything I had done to it complete with photos and most receipts. AAA didn't know how to value it so they hired an independent adjuster who knew Jeeps. He told me up front they'd take care of me, that most other companies would have dropped me. When I saw the check they gave me afterward it was just almost incredible. More than enough to buy my present used 2004 Rubicon and install things like a new Warn winch.
Then I was wheeling Death Valley years ago when a kid showed up with a Jeep he had just bought. He had seen our posts about going to Death Valley so he just showed up there at our campfire that first night. He wrecked his Jeep that weekend through pure abuse. He had 3 flat tires from stupid stuff and even finally broke his transmission after running into a big rock. We towed him out to the highway and AAA picked him up on a flatbed truck. A month or two later he posted up on our forum to let us know that AAA had bought him four new tires and completely fixed everything he busted and his parents only needed to pay his deductible.
We had our house flooded from a big water filter that blew and the AAA adjuster made it to our house even before I did. They fixed it up totally and even bought me a new pair of dress work shoes because they got ruined from all the water.
I'll never leave AAA.