Motorcycle Insurance2021-10-08T11:07:30-04:00

Motorcycle Insurance

Motorcycle Insurance

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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:

I requested a Homeowners Insurance quote online and my agent Taunya contacted me and within minutes I had a brand new policy with a nearly 40% decrease in premium from my existing Insurance Company. Taunya was professional, knowledgeable, patient and efficient. She exceeded my expectations and made the process seamless and effortless. I would highly recommend Fearnow Insurance to my friends and family without hesitation! Thank you again for such a wonderful experience:)
Dorothy Aiken
00:11 13 Nov 21
Joe with Fearnow was great. Got us a great rate on auto and home. We are saving just over $100 a month just in our auto from our previous carrier USAA. Everything was done by phone and electronic. Fast service, seamless communication, great value. If you want to save money, highly recommend calling Joe for all your insurance needs!
KB T
17:26 05 Nov 21
I work with Lydia Bobek on my homeowners insurance that had unexpectedly been canceled. She was quick to respond and help me secure a new policy in just a few quick hours. Excellent customer service!
Samson Lewis
21:31 28 Oct 21
Want to talk about jumping through hoops? Joseph Boyle was fantastic in writing my mother's homeowner's policy in what I feel must have been a record time. It was my fault for waiting to the last minute, but he took it by the reins, delivered what I feel are excellent coverages at a fair price, and BAM we were done. Very very happy.
Matt Vance
23:38 18 Oct 21
This is a great insurance agency as they really have the customer's best interest in mind. Michelle saved me from purchasing an unnecessary policy that a company was requiring me to obtain. I can't thank her enough!
Dawn Mangon
00:38 16 Oct 21
We have been buying insurance for 63 years. Joe Boyle is the best agent we have ever dealt with. Joe will work with you to determine what you need and find it for you. When you agree that Joe has found exactly what you want he will take care of everything needed to put your policy in force!!
Carolyn Toebes
18:21 13 Oct 21
Austin Buchanan helped me with my auto, homeowners and life insurance policies. He was knowledgeable, friendly, and efficient. I appreciate how quickly he got back to me with my documents. Thank you for a great experience!
Jenny Lindsey
22:22 09 Oct 21
Awesome experience, Brian helped get a quote and go over and refine what was needed for my business. In less than a week I had coverage.
Nick Cooper
16:13 30 Sep 21
Professional, communicative and actually seem to care about their clients. Michelle was so patient with my malarkey, I owe you an Edible Arrangement, M-Dawg.
Nick Van Nuil
13:35 28 Sep 21
Great service, very responsive, Michelle has been an excellent person to do business with.
Jim Walters
12:35 24 Sep 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.

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

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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