Motorcycle insurance, set up for how you actually ride.

• Bodily injury liability. Pays for injuries you cause to someone else.
• Property damage liability. Pays for the other person’s vehicle or property.
• Uninsured motorist. Pays for your injuries when the driver who hit you has no coverage, or not enough.
• Medical payments. Helps with your own medical bills after a crash.
• Comprehensive and collision. Fix or replace your bike. A lender will usually require both if it’s financed.
• Accessories. Custom parts and gear often need to be added. Ask me what’s included.

What I’ll ask you

• The year, make and model of the bike.
• Your riding history and any tickets or accidents.
• How you use it: commuting, weekends, or the occasional trip.
• Any custom parts or accessories and what they’re worth.
• Whether it’s financed.

Every company draws its own lines, and some of them surprise people. Here are things that can make a bike harder to place with some companies. If one company says no, I check the others.

• Some companies won’t cover young riders on high-performance bikes, and a violation on a young rider’s record can make it even harder.
• A company may decline if your driving record has too many points or if you’ve had several comprehensive claims in a few years.
• Some companies don’t write electric motorcycles at all.
• A company may turn down custom, kit, homemade or salvage-title bikes.
• Some companies won’t offer physical damage coverage on high-performance bikes, so you could only get liability.
• A company may require that the person on the policy is the titled owner, and that everyone who rides lives in the same household.
• Some companies expect you to live in Florida for most of the year, with limited exceptions for things like students and military.
• A company may not cover a bike used for business, food delivery or rideshare.
• Some companies won’t take heavy engine modifications, or a rider who only has a learner’s permit.

Discounts differ by company, and not every company offers every one. I’ll ask about each of these when I shop your bike, so tell me which ones fit you.

• Some companies give a discount for belonging to a rider association.
• Finishing an approved rider safety course can earn a discount with some companies.
• An engine guard or frame slider on your bike may qualify.
• Anti-theft devices can help with some companies.
• Insuring more than one bike may earn a discount.
• Having another policy with the same company, like home or auto, may earn a discount.
• Paying your premium in full up front is a discount with some companies.
• If the bike is for pleasure and not your only ride to work or school, some companies give a break.
• Prior insurance may count, and with some companies an auto policy works too, not only a motorcycle policy.

These are the details I see riders overlook. They vary by company, so I’ll walk you through what each option actually includes.

• Many policies include a set amount for accessories and custom parts. If you’ve added more, you can often buy extra coverage.
• Riding gear and your helmet may be covered with comprehensive and collision, usually up to a limit.
• Passenger liability is often optional, so ask whether it’s included or needs to be added.
• With many companies, you can’t buy collision without comprehensive, and there may be no physical-damage-only policies.
• Some policies replace a brand-new bike with a new one if it’s totaled early on.
• A few companies offer coverage for a trailer you use to haul your bike, and some let you put several bikes on one policy.

• Florida Highway Safety and Motor Vehicles: motorcycle rider education and endorsements
• Florida Statutes 316.211, equipment for motorcycle riders
• Florida Highway Safety and Motor Vehicles: insurance requirements

Coverage, eligibility and pricing depend on the company, the bike and the rider. This page is general information, not a quote or legal advice.