Motorcycle Insurance

Our Motorcycle Insurance Has You Covered:  

• • Optional Equipment Coverage.
    $3,500 covers your optional equipment and is included with comprehensive coverage. (You can also increase your limits on Optional Equipment Coverage up to $15,000, which is great for custom painting, chroming, sidecars and other great additions to your ride that were not originally provided by the manufacturer.)

• • Safety Apparel Coverage.
    This provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.

• • Replacement Cost Total Loss Settlement.
    We provide Replacement cost coverage for up to two years on bikes purchased new and with a maximum MSRP of $35,000. This applies when you purchase a new motorcycle from an authorized dealer and insures it with us within 30 days. This coverage does not apply to custom or classic motorcycles.

• • Annual Policy.
    If there’s a beautiful sunny day, you don’t want to miss it. No calls, no hassle with our annual policy you can insure your motorcycle even in the “off-season.”

• • Towing And Roadside Assistance With Trip Interruption Coverage.
    We have experts that know how to take care of and tow your bike.

• • Liability Only Coverage.
    This broad coverage is meant for accidents involving your motorcycle (the coverage is for third-party injuries and property damage). The “only” option allows you to make the decision if the liability coverage is all you want. You decide.

• • Increased Limits.
    You can choose the limits that you want on your liability.

• • Collision Coverage.
    Regardless of who is at fault, this covers your motorcycle in the event of damage caused by collision with other vehicles and trees or utility poles.

• • Other Than Collision Coverage.
    Provides coverage for out of the ordinary damages, such as fire, theft, flood or vandalism.

• • Medical Payments Coverage.
    Hopefully, never needed, but very important with motorcycle insurance, this coverage pays for the necessary medical care you receive as a result of an accident.

• • Trailer Coverage.
    Provides coverage for a specifically designed trailer to transport your motorcycle (valued up to $7,500).

• • Uninsured/Underinsured Motorist Coverage.
    Coverage that protects you financially if you’re in an accident with someone who’s at fault and either has no insurance or insufficient insurance.

Reaping The Rewards:

• For customers who have a good driving history, we offer a First Accident Waiver program that waives the premium surcharge on the first accident.
• If you ride with a DOT approved helmet, we provide $500 additional medical payments coverage to you.
• If your ride is equipped with an approved stolen vehicle recovery system, you will receive a $500 deductible waiver on Other Than Collision in the event of a covered theft loss.