Motorcycle, ATV & Snowmobiles

CUSTOM EQUIPMENT: With custom parts and accessories becoming a big part of many bikes these days, our policies provide $1,500 of Custom Equipment coverage at no cost when Comprehensive coverage is elected. Additional custom equipment is available for up to $30,000

SPECIAL COVERAGE FOR SPECIAL BIKES: Agreed Value helps you get the right level of coverage for custom bikes, trikes, assembled/kit bikes, and vintage bikes. The value is first set by you and then confirmed by the company

MEDICAL PAYMENTS: Provides coverage in the event of first party injury while operating the covered vehicle

TRAILERS: Physical Damage coverage up to a total value of $15,000 can also be purchased on the trailers you use to transport your vehicles

TOWING & LABOR: Provides reimbursement for towing and labor costs if covered on-road vehicle is disabled. This feature is automatically provided at no additional charge on Harley-Davidsons, touring motorcycles, trikes, custom bikes, vintage, and assembled/kit bikes when comprehensive and collision are elected.

ROADSIDE ASSISTANCE: Provides reimbursement for expenses arising out of an unexpected breakdown on long trips. In addition to covering towing costs, reasonable costs for meals and lodging are also covered.

BODILY INJURY/PROPERTY DAMAGE LIABILITY: Wide variety of available limits. Guest Passenger Bodily Injury is included

UNINSURED/UNDERINSURED MOTORISTS BODILY INJURY (UMBI): Available in limits up to those purchased for Bodily Injury

UNINSRED MOTORISTS PROPERTY DAMAGE: Available when UMBI is purchased. Not available with Collision coverage. Subject to $250 deductible

COMPREHENSIVE: Fire, theft, vandalism. Can be written without Collision, but must have Bodily Injury.

COLLISION: Includes coverage for helmets up to $2000. Both Comprehensive & Collision coverages may require agent inspection prior to binding.

ANY COMBINATION OF THE FOLLOWING VEHICLES CAN BE WRITTEN ON A SINGLE POLICY!
(UP TO 12 TOTAL VEHICLES)

CRUISER: Most common motorcycle on the road. Usually a V-twin engine with swept-back handle bars

REGULAR: A basic motorcycle with upright seating for one or two

TOURING: Designed for longer trips or cross-country rides. They have two seats and saddle bags, cargo bins, and other accessories

SPORT TOURING: Using a sports bike base, these bikes are enhanced with saddle bags or cargo bins to accommodate long trips

SPORT BIKE: Aerodynamically designed body with bent forward seating

DIRT BIKE: Designed for off road use with high ground clearance

MOPED: Motorized bicycle

SCOOTER: Two-wheeled vehicle with a step-through frame

TRANSPORT TRAILERS: Trailer designed to transport covered vehicles

CUSTOM & LIMITED EDITION: May take many forms but generally limited production or tailored versions of cruisers or other common
bike styles

TRIKE: Motorcycle that has been modified by professional kit to have two rear wheels

SNOWMOBILE: One or two seat vehicle designed to drive on snow with skis and a track

ALL-TERRAIN VEHICLE (ATV) & UTILITY VEHICLES: Four or six-wheeled vehicle designed for off-road riding

GOLF CARTS: Four-wheeled vehicle designed to drive on and around golf courses

LOW-SPEED VEHICLES: Four-wheeled vehicle with a top speed of 25mph, designed for short trips primarily in retirement or other planned communities

DUNE BUGGY: Off-road vehicle with cage style frame designed primarily for dune/sand driving

SEGWAY HUMAN TRANSPORTER: Electric two-wheeled personal transporter were rider stands in upright position

DISCOUNTS available include: Homeowners, Multi-Vehicle, Multi-Policy, Riding Association, and Safety Course
POLICIES are 12-month terms. Seasonality of the vehicles is included in the pricing and coverage is provided all year long. No need to call in the Fall to drop coverage, then call back in the Spring to add. So if there's that nice day in February, you don't have to worry about calling us before you go for a ride.

Affordable PAYMENT PLANS are available. Contact us today for your Ohio, Kentucky, or Indiana Insurance Quote!