Motorcycle Insurance – Updated Design2021-05-10T10:07:10-04:00

Motorcycle Insurance

Motorcycle Insurance

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Quotes from 100+ Carriers:

Save up to 37% with Fearnow Insurance

Although having Motorcycle insurance isn’t required in Florida, it is better to have it and not need it, than not have it and need it.  There are several options available for motorcycle coverage.

Standard Motorcycle Insurance Coverages

Bodily Injury & Property Damage Liability

This liability coverage pays for damages to other vehicles, property (like fences or signs), and the injuries sustained by other drivers/motorcyclists and their passengers.  This coverage also includes the legal expenses if you’re sued.

Uninsured/Underinsured Motorist

Florida is one of the worst states when it comes to uninsured motorists, and if you are ever hit by one, you could end up paying for the damages to your motorcycle if you don’t have this coverage.  Even if the other driver does have insurance, if they don’t have enough, you can still be out a large portion of repairs.  With this coverage you won’t have to sweat the repair bill; plus the costs of your injuries or lost wages are also taken care of under this policy.

What Our Customers Say:

Joseph Boyle was exceptionally prompted and was able to provide me with the best rate and coverage possible for my new home. Thank you for your support, positive energy, transparency and attention during a memorable milestone for our family.
Jeannette Gonzalez
17:38 22 May 21
Great quote for a difficult homeowners policy and great customer service so far. Have heard several positive word-of-mouth reviews. Thank you, Taunya, for your assistance!
Aaron Hilsinger
16:21 06 May 21
sent an email, got timely contact, personal and personable service from Joe and saved significantly on auto - definitely easy and pleasant!
Scott Leu
22:05 24 Apr 21
Thank you Taunya for helping me save over $1000.00 a year on my home and auto insurance. I have already referred friends and family!!
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21:44 06 Apr 21
Always a pleasure to deal with these folks. Knowledgeable, friendly and responsive. Talked to Lydia today and she handled my change request promptly and expertly.
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19:44 05 Apr 21
Ken was my Knight and shinning armor. I needed commercial insurance on the fly and even though he was busy he worked extra hard to help me out. If you are looking for great insurance go through Fearnow they got your back. He listened to all my needs and found the best policy. He deserves a raise.
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14:20 23 Mar 21
Taunya Gaddie helped me with my homeowner and auto insurance policies and saved me a lot of money. She was very knowledgeable and courteous. I am glad I found Fearnow Insurance
Mark Skinner
20:56 12 Mar 21
The Whole crew at Fearnow takes great care of our family. No matter what we are needing from auto to homeowner policies. Especially Tori and Matt
jay hominsky
22:02 25 Feb 21
Great place to deal with! Always helpful and professional!
Michelle Hominsky
21:58 25 Feb 21
Fearnow Insurance handles all of our insurance and payroll needs. The staff in general is responsive and professional especially Sara Chieffalo in the payroll department as she skillfully and cheerfully helped us migrate from one payroll service to Fearnow at a great savings.
Edward Wallace
18:55 22 Feb 21

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Comprehensive & Collision

If you are in an accident, this coverage will help cover the costs of the repair (or replacement) – all you have to pay is the deductible you have selected.  This covers damages from an accident, collision with an animal, or other damage not from a collision (e.g. fire, theft, falling object, etc.).

Medical Payments

Pays for your medical bills (or your passengers’) if you’re in an accident, regardless of who is at fault.  You can pick a range of coverage limits.  This is similar to Personal Injury Protection coverage for vehicle motorist.

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Extra Coverages You Can Add

Accessories and Custom Parts/Equipment

It is common for motorcyclist to customize their bikes with after-market parts.  This type of coverage is offered by some carriers as part of the collision and comprehensive coverage, but additional coverage levels can be purchased if you need a higher coverage limit.  Coverage includes upgrades, customizations, equipment, and accessories such as helmets, gloves, and leathers.

Small Accident Forgiveness

Many Motorcycle insurance carriers won’t increase your premium because of a claim that costs $500 or less.

Large Accident Forgiveness

Many Motorcycle insurance carriers won’t increase your premium after your first accident – although some may have individual requirements before providing this coverage.

Total Loss Coverage for A Brand-New Bike

This coverage is great if you purchased your bike new.  In the event that your bike is totaled, you are paid the full manufacturer’s suggested retail price for a brand-new bike, minus the deductible on your policy.

Roadside Assistance

Under this coverage, tow expenses are nothing to worry about.  In the event you get stuck or your bike is disabled, your bike can be towed to the nearest repair shop for free.  Some carriers may allow additional add-ons such as trip interruption.  This add-on helps you pay for food and lodging expenses up to $500 if you’re away from home when the breakdown occurs.  Typically, you must have roadside assistance first and then add trip interruption, if available by the carrier of your choice.

Carried Contents and Personal Belongings

Sometimes you have more than just your helmet and riding gear when on your bike.  Carried Contents coverage protects just about all of your personal belongings from damage, theft, or from being lost.  This can include your cell phone, backpack, laptop, or just about any of your other personal property that could fall off your bike.

Enhanced Injury Protection

This is additional coverage to Medical Payments coverage.  Under Enhanced Injury Protection, if you are injured and can’t work, a financial benefit is paid for an allotted period of time.

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