Every rider is unique. That’s why we provide so many coverage options. Take a look at the protection possibilities:

Bodily Injury and Property Damage Liability, and Passenger Liability: Covers you if you're at fault for an accident that injures another person or damages someone else’s property, up to the limits you select.
Comprehensive & Collision: Pays to repair or replace your motorcycle if it's stolen or damaged in an accident, regardless of fault. For both coverages you select a deductible that you pay out of pocket. We pay for the remaining damage.
Customization Coverage: Provides at least $3,000 of coverage for your custom parts and equipment. Up to $30,000 of additional coverage can be purchased.
Medical Expense: Covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of fault. Medical Expense coverage often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, medical expense only applies after other medical insurance is exhausted.
Uninsured/Underinsured Motorist: When the person at fault for an accident doesn't have insurance, or enough insurance, this coverage pays for your injuries and damages the at-fault party is legally liable for, such as medical treatment and lost wages.
Emergency Roadside Service: This coverage pays reasonable costs incurred due to a breakdown or disablement of your insured motorcycle. These costs may include:
- Mechanical labor at the place of breakdown
- Towing to a repair shop
- Delivery of gas or oil
- Cost of labor for change of tire

Hobby and Recreational FAQs

Motorcycle FAQs

What does motorcycle insurance cover?

How much motorcycle insurance do I need?

Is motorcycle insurance required?

Why is motorcycle insurance important?

Does motorcycle insurance cover theft?

Does motorcycle insurance cover other riders?

Additional motorcycle FAQs

What types of motorcycles are covered?

If I customize my motorcycle, will I have to take any extra steps to make sure it's covered under my policy?

Is Roadside Assistance offered under my motorcycle policy?

Does my policy protect my riding gear, too?

Will my rates go up if I'm involved in an accident?

How can I save on motorcycle insurance?

Boat FAQs

Is insurance required for my boat or watercraft?

What does watercraft insurance cover?

How much insurance do I need for my boat or watercraft?

Does watercraft insurance cover theft?

Eek! My boat hit a rock. Does my watercraft insurance cover me?

How can I save money on my watercraft insurance?

Additional boat FAQs

What type of losses does the policy cover?

What other coverages might I want to add to my policy?

Who is allowed to operate my boat/watercraft? And are they covered?

What's not covered under watercraft insurance?

Is my boat/watercraft covered if it falls off the trailer?

How is my boat/watercraft covered when on the trailer and attached to my car?

RV FAQs

Will my attachments and accessories be covered?

How much RV insurance coverage should I carry?

Does my RV insurance policy cover all of the drivers in my household?

Can I get Emergency Roadside Service for my RV?

Is my personal property covered?

Can I drive and camp my RV anywhere in the United States?

ATV FAQs

Is ATV/UTV (Utility Task Vehicle) insurance required?

How do I get a quote?

What will my ATV/UTV insurance policy cover?

How much ATV/UTV insurance do I need?

Does ATV insurance cover passengers?

Is my personal property and safety riding equipment covered?

Are my injuries covered if I get in an accident?

If I lend my ATV (or UTV) to a friend, will my policy cover them?

Is my ATV covered for theft?

What do I do if I have an accident?

Snowmobile FAQs

What does snowmobile insurance cover?

Is snowmobile insurance required?

How much snowmobile insurance do I need?

Does snowmobile insurance cover passengers?

How is my personal property, safety riding equipment and snowmobile customization covered?

Are my injuries covered if I get into an accident?

If I lend my snowmobile to a friend, is it covered?

Is my snowmobile covered for theft?

What do I do If i have an accident?