The insurance manual is not an insurance policy. The FLDFS sets guidelines and monitors rates, but they do not determine underwriting rules or establish rates.   Most insurance companies have a customizing endorsement on their PAP.  During the interview process the agent is required to ask the customer if their vehicle is customized so the premium will reflect the additional risk.

Study your insurance manual for the licensing exams, but read your insurance policy to determine your personal coverages/endoresements and exclusions.