Motorcycle Insurance
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Our policies provide important standard and optional coverages that are geared toward motorcycles, and may not be available from regular insurers. These coverages include:
Important Standard Coverages
- Collision
- Other than Collision Coverage
- Liability Coverage
- Medical Payments Coverage
- Towing and Roadside Assistance
If your bike breaks down and can't be ridden, help is just a toll-free phone call away. A provider will be sent to the scene with the proper equipment to service your bike. And if your bike breaks down due to a covered collision away from home, $500 of Trip Interruption Coverage is provided.
Safety Apparel Coverage
Provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and leathers.
Optional Equipment Coverage
Provides $3,500 coverage for most accessories permanently attached to your bike such as parts, decorations, custom painting, chroming, side cars or other items that were not originally provided by the manufacturer as standard equipment.
Replacement Cost Coverage
For up to two years on bikes purchased new with a maximum MSRP of $35,000 (bike must be replaced).
A Choice of Deductibles and Payment Plans
Higher deductibles can help lower the cost of your premium. Flexible payment plans help you keep your monthly budgeting on track. Together they can help you keep your premium payments affordable.
OK, well, HO1, HO2, and HO3 aren't available in Houston, sorry. Texas is a WEIRD state. If you're movnig from out of state, there are a couple things to know, that are different here: 1. Houston, and Harris county, has special flood requirements, OUTSIDE Fema, for the hurricane allison project. Don't get me started on it. 2. There's a lot less coverage under a TX homeowners policy!! 3. There's a SEPERATE DEDUCTIBLE for wind damage in Houston. It's usually 2-5%. Yep, 2-5% OF THE CLAIM, so that usually works out to a lot more than $ 1,000, or whatever you're looking at. No coverages are required by the state, on a homeowers policy, it's all lender's requirements . If you get an HOA form, that's about as good as it's going to get here. When I was shopping around, I found the most comprehensive NEW form, at the best rate, with Travelers. Email me if you want me to refer you to the agent (I'm in SW Houston). I ended up sticking with State Farm, because we've had the policy a while, and it's a much broader form (although the most expensive, by far). Hope that helps!
