Coverage for your bike when hitting the open road.
Motorcycle insurance in Southwestern OH including Dayton, Xenia, Jamestown and Beavercreek.
While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.
As with auto insurance, motorcycle insurance policies are made up of several components, some of which are legally required while others are optional, but a smart buy.
The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your state’s laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.
Which insurance solution is right for your family?
Explore how having the right insurance can protect you from the unexpected.
Property Damage Liability Coverage
Pays for damage to vehicles and other property caused by an at-fault accident. The amount covered depends on the limits and details in your policy and the regulations in the local state.
Bodily Injury Liability Coverage
Helps pay costs resulting from injuries to others caused by a covered accident up to your policy limits.
Guest Passenger Liability Coverage
Adds coverage for passengers on your bike if they are injured from a ride-related event.
Uninsured/Underinsured Motorist Damage Coverage
Helps with injuries and other losses resulting from an uninsured motorist, a hit-and-run driver, or a driver without enough insurance.
Physical Damage Coverage
Also called Comprehensive and Collision, this covers costs from damage to the physical body of your vehicle, such things as weather, theft, and at-fault accidents by a driver on your policy.
Medical Payments Coverage and Personal Injury Protection
Helps cover medical expenses if you're in an accident riding your motorcycle.
Carried Contents & Belongings
Pays for lost, stolen, or damaged personal property that you keep on your bike.
Custom Parts or Equipment
Helps pay for damages to custom or unique parts of your motorcycle.
Motorcycle collision coverage will pay out to repair or replace your bike after a crash, even if it’s deemed your fault. Meanwhile, comprehensive coverage adds in coverage for your bike being stolen, vandalized or damaged by fire.
Other optional extras worth considering include specific coverage for custom motorcycle parts such as GPS or trailers that you’ve added to your bike and aren’t necessarily included in your standard policy. You can also get coverage that pays your costs if you’re involved in a collision with an uninsured driver or rider. Finally, don’t forget roadside assistance, which will get you to a repair facility if your bike has a mechanical breakdown or you suffer a flat tire.
We’re happy to talk through the details of motorcycle insurance, of course. Contact us, and we’ll lead the way.
Motorcycle Insurance Quote Request
As an independent agency, we offer multiple options at competitive prices.
