Does motorcycle insurance protect you and your motorcycle?
Yes! We highly recommend having a policy if you own a motorcycle. Here’s why…
Motorcycle insurance protects riders from financial loss after an accident, theft, or damage involving their bike. Whether you cruise the open highways or navigate Florida’s scenic back roads, having the right motorcycle coverage keeps you and your bike protected.
A motorcycle insurance policy can help cover repairs or replacement if your bike is damaged, pay medical bills after an accident, and protect you if you’re found responsible for someone else’s injuries or property damage. Because motorcycle insurance requirements and coverage options vary by carrier, it’s essential to review your policy regularly to ensure you have the protection you need.
What Does Motorcycle Insurance Cover in Florida?
Florida law does not require motorcycle riders to carry the same insurance as drivers of four-wheeled vehicles, but having coverage is strongly recommended for both safety and financial protection. Motorcycle insurance policies can include:
● Liability Coverage – Pays for injuries or property damage you cause to others in an accident.
● Collision Coverage – Covers damage to your motorcycle from a collision, regardless of fault.
● Comprehensive Coverage – Protects against non-collision losses, including theft, fire, vandalism, or storm damage.
● Uninsured/Underinsured Motorist Coverage – Provides protection if you’re in an accident caused by a driver with little or no insurance.
● Medical Payments (MedPay) – Helps pay medical expenses for you and your passengers after an accident.
● Accessory Coverage – Covers custom parts, chrome, saddlebags, or safety gear that may not be included under standard limits.
Each policy can be tailored to meet your specific needs. Whether you ride daily, only on weekends, or keep your bike stored most of the year, we can tailor your coverage accordingly.
What Types of Motorcycles Can Be Insured?
We can insure nearly all types of two- and three-wheeled vehicles, including:
● Cruiser and Touring Motorcycles
● Sport Bikes and Street Bikes
● Scooters and Mopeds
● Custom or Classic Motorcycles
● Trikes and Three-Wheel Motorcycles
● Dirt Bikes (with street-legal registration)
If you’re unsure whether your motorcycle qualifies for coverage, our agents can review your make and model to find the right policy options for you.
Common Exclusions from Motorcycle Insurance
While coverage is extensive, standard policies rarely include:
● Mechanical or electrical breakdowns
● Normal wear and tear
● Racing or stunts
● Use for commercial or delivery purposes without proper endorsement
If you require broader protection, we can explore additional options, such as roadside assistance, trip interruption coverage, or enhanced accessory protection.
Local Experts Who Ride Where You Ride
Our agents live and work right here in Lake County, Florida, so we understand the unique risks riders face, from sudden tropical storms to busy Central Florida traffic. We proudly serve Mount Dora, Eustis, Tavares, Leesburg, Fruitland Park, Umatilla, Clermont, and surrounding areas. Whether you’re a new rider looking for affordable motorcycle insurance or an experienced motorcyclist reviewing your current policy, we’re here to help.
Get a Free Quote or Policy Review
If you already have motorcycle insurance, we offer free policy reviews to make sure you’re getting the right coverage at a competitive rate. If you are thinking of buying a bike and want to understand how motorcycle insurance works, we can absolutely have a conversation. It’s important to understand your coverage options.
Call Beucher Insurance Agency today at 352-357-1994 or visit us at FloridaHomeInsurancePrice.com for a free quote. Speak directly with a local agent who knows Florida’s roads and how to protect you on them.
Do you have additional questions on home insurance or maybe auto insurance? We can help you with that too, give us a call.