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Motorcycle Insurance

Way Better Motorcycle Insurance for the State of Florida

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Motorcycle Insurance Features and Coverage Options

Be Safe. Get the Coverage You Need to Enjoy the Ride.

Your motorcycle is one of your most prized possessions. You and your ride deserve special attention and protection. Because many of us are riders too, we understand the importance of bike safety. protects you and your motorcycle in ways that many other insurance companies don’t. Plus, get insurance coverage for your ATV, scooter, golf cart or snowmobile, too.

Your local agent can offer personal advice about product availability in your area and how much coverage is right for you.

What Makes Us Different

Helmet, Jacket, Boots and Gloves

We’ve got you covered. provides up to $1,000 per person, per incident, to replace safety apparel lost or damaged in a collision at no extra charge and no deductible. This coverage is also included with liability only polices—something no other insurance company offers.

New Harley® Replacement

You’ve been saving up for that new Road King® for years. Don’t let all your hard work go to waste. Two-year replacement cost coverage for your new Harley-Davidson® motorcycle is included as stock coverage with every motorcycle policy. You’re covered.

Popular Coverage Options

Customize Your Motorcycle Insurance

gives you the flexibility to choose the coverage that’s right for you to get out there and enjoy the open road. Choose motorcycle insurance coverage that’s right for you with the help of your local agent.

Custom Parts and Equipment

Optional custom parts coverage is available up to $20,000 per bike. Your first $3,000 in coverage is provided automatically at no extra charge when you choose this option. That’s some serious custom work.

Roadside Assistance

Trip interruption benefits are automatically included as part of motorcycle Roadside Assistance, which also covers towing to the nearest qualified repair shop and other basic emergency services. We’ll help get you back on the road quickly if you break down.

Coverage Required in Most States

Mandatory motorcycle insurance requirements vary by state. motorcycle insurance policies are designed not only to satisfy all mandatory requirements but offer even more great coverage options. Talk to your local agent about the levels and type of motorcycle coverage required where you live.

Bodily Injury Liability

Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures someone else, other than a guest passenger.

Guest Passenger Liability

Similar to bodily injury liability, but specifically covers a guest passenger riding with you on your motorcycle.

Property Damage Liability

Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.

Coverage Required in Some States

Uninsured/Underinsured Motorist Coverage

Helps pay for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.

Even More Coverage Options

Comprehensive

Helps pay for repairs or to replace your ride if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind and collision with an animal.

Collision

Helps pay for repairs to your motorcycle for damage caused by an accident.

Medical Payments

Helps pay hospital bills and medical care expenses for you or a guest passenger injured in an accident, no matter who is at fault.