Vehicle Insurances

Auto Insurance
Motorcycle Insurance
Boat Insurance
Recreational Vehicle Insurance
Antique Auto Insurance


Home Related Insurances

Home Owners Insurance
Mobile Home Insurance
Renters/Condo Insurance
Flood Insurance


Commercial Insurances

Business Insurance
Restaurant Insurance
Commercial Auto
Contractors Insurance
Workers Comp Insurance
Commercial Disability Insurance
Liquor Liability
Bonds


Life and Health Insurances

Life Insurance
Disability Insurance
Long Term Care Insurance
Health Insurance


Misc. Insurances

Umbrella Insurance
Jewelry Insurance
Horse Liabilty Insurance


Customer Service
Contact Us
Claims
Request Quote
Privacy Statement
Directions to our office
Web Links
Employment Opportunities

Hours:
Mon - Fri. 9 AM - 5 PM
Saturdays by Appointment Only

Motorcycle Insurance


Comprehensive and Collision coverage pays to repair or replace your motorcycle if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage.

With Collision coverage, your insurance company pays for damage to your motorcycle when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.

With Comprehensive coverage, your insurance company pays for damage to your motorcycle caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your motorcycle is flooded or stolen, Comprehensive coverage will apply.

When you purchase Comprehensive or Collision coverage, at least $1,000 of Custom Parts and Equipment (CPE)/Accessory coverage is included in most states. Additional CPE coverage can be purchased to cover equipment, up to $30,000 in value.

CPE covers equipment, devices, accessories, enhancements and changes, other than those that the manufacturer originally installs, that alter the appearance or performance of a motorcycle or off-road vehicle. This includes, but is not limited to:

* Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals or play back recorded media, other than those that the manufacturer originally installs, that are permanently installed on the motorcycle or off-road vehicle using bolts or brackets, including slide-out brackets
* Sidecars (when attached to the insured cycle)
* Trailers designed to be pulled behind a motorcycle or off-road vehicle (when attached to the insured cycle)
* Trike conversion kits
* Custom paint, custom plating or custom exhaust
* Mower blades, plow blades or winches
* Safety riding apparel, including helmets. (Coverage is provided in the event of a Collision loss. Theft is not covered.)

Please note: We recommended you retain photos of the motorcycle and all receipts for custom parts and equipment.
Example

Your bike has a custom paint job, handlebars, levers, sissy bars and fenders that total $5,000. Because it exceeds the automatic $1,000 CPE coverage given with Comprehensive or Collision coverage, you purchase an additional $4,000 in CPE coverage to ensure the parts are covered if they're damaged in an accident.