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What Does Motorcycle Insurance Cover?

Thinking of buying a motorcycle? Find out what types of coverage might be available to motorcycle riders.

Quick Take: What's covered by a motorcycle insurance policy?

  • A motorcycle policy generally covers the cost of injuries to others and damage to their property when you're at fault. 
  • Your own motorcycle can be covered for unexpected events such as theft, fire and damaging weather. 
  • Collision coverage pays for damage to your motorcycle if you hit another vehicle or an object.
  • You can personalize your motorcycle policy with a range of coverage options.  

Q.  Owning a motorcycle has always been on my bucket list. Now that I'm about to make it a reality, I want to be sure my isnurance really protects me and my dream bike. Can you walk me through what I should know? 

We turned this question over to Jeremy Schlueter, a Insurance Holdings® agent based in Brecksville, Ohio. He's helped countless riders get the coverage they want. 

A. Congratulations on your first motorcycle. The biker customers I work with tell me there’s nothing like the feeling of the open road. I’d argue that it feels even better when you’re found the insurance coverage you want.


Similar to auto insurance, motorcycle insurance includes several types of coverage. First, there’s liability. If you’re at fault in an accident, a liability policy would help cover the cost of damage to the property of others and their bodily injuries. You can also opt for comprehensive coverage, which covers your motorcycle for theft and other things that aren’t your fault, like vandalism, fire and hail damage. In addition, there’s coverage for damage to your motorcycle and injury to yourself caused by someone who doesn’t have sufficient insurance or any at all. It’s what we call uninsured or underinsured motorist coverage.


You can customize your policy with a variety of coverage options. Many of my customers add collision coverage, which covers damage to your own motorcycle if you hit another vehicle or a stationary object like a wall or tree.


Towing and roadside assistance coverage is another popular choice. At IHL, we also provide bodily injury coverage for your passenger. We can also insure your accessories like saddle bags, safety apparel and custom parts.