What Does Motorcycle Insurance Cover?

Depending on the type of policy you choose, a motorcycle insurance policy could cover any or all of the following:

• Damage to your motorcycle in a collision
• Damage that occurs as the result of a fire, explosion, earthquake or flood
• Injuries that occur while riding your motorcycle
• Theft of your motorcycle

In addition, some states require you to have liability insurance coverage for injuries you might cause to other people and damage to their property.

What Does Motorcycle Insurance Not Cover?

Some of the most common exclusions found in motorcycle insurance policies include:

• Damage that occurs while your bike is not in motion or is parked, but still on public or private property
• Damage to your motorcycle resulting from abuse, lack of routine maintenance or failure to follow manufacturer recommendations
• Theft of required personal belongings, such as a driver’s license or registration documents

Before you make your final selection on a motorcycle insurance policy, let us help. We work with a broad range of insurance carriers, and we can help you find all the coverage you need at a price you can afford. Click below to talk with one of our experienced agents.