Motorcycle coverage differs from auto in ways that matter after a loss, and the differences are rarely explained at the point of sale.
Helmets, jackets, boots and communication systems are usually excluded unless a rider apparel endorsement is added. For most riders the gear represents a meaningful share of total investment.
Exhaust systems, saddlebags, custom paint, chrome and audio equipment are typically covered only up to a low default limit — often around $3,000 — unless scheduled. A heavily customized bike can be substantially underinsured on a policy that looks complete.
Send us the declarations page you have now. We read it line by line, tell you plainly where the gaps are, and shop it across the carriers appointed in your state. If what you hold is already the right policy, we will say so.
Send your policyOne brokerage, one file. If it is on this list we can shop it alongside whatever you already hold, and tell you where the two policies overlap or leave a gap.
Send us what you have now. We will read it properly, tell you where the gaps are, and shop it across the carriers appointed in your state. If it is already right, we will say so.
Independent insurance guidance for your home, your business, and your life across state lines.