Motorcycle Insurance Coverage Options

A Farmers policy provides important standard and optional coverages that are geared toward motorcycles that may not be available in a conventional auto policy. Contact a Farmers agent to find out why a Farmers Motorcycle insurance policy can give you more security and more value for your money.

Important Coverages

For real peace of mind, you need a policy that provides a wide range of coverages. These should include:

• Collision Coverage
• Other Than Collision Coverage
• Liability Coverage
• Medical Payments Coverage
• Safety Apparel Coverage
• Optional Equipment Coverage

Optional Coverages

For extra coverage on the open road, and because not everyone’s needs are the same, a Farmers policy offers a variety of options, such as:

• Increased limits on Liability
• Uninsured/Underinsured Motorist Coverage
• Replacement Cost Total Loss Settlement Coverage
• Increased limits on Optional Equipment Coverage
• Towing and Roadside Assistance with Trip Interruption Coverage
• Coverage on transport trailers valued up to $7,500

Broad Eligibility

It’s truly amazing how many different types of motorcycles you see on the road today. Powerful American iron. High-class imports. High-performance sport bikes. Eye-catching trikes. Custom cruisers. Fully-restored classics. Farmers will cover all of these - and give you the important coverages you may not be able to find elsewhere.

Annual Policies

You can enjoy year-round coverage with no lay-up period. So, if there’s a beautiful winter day when the road is calling, go ahead and get out there. No extra phone calls, no hassles!

Replacement Cost Total Loss Settlement

This coverage provides Replacement Cost coverage for up to two years on bikes purchased new and with a maximum MSRP of $35,000. This coverage applies when the insured purchases a new motorcycle from an authorized dealer and insures it with Farmers within 30 days of purchase. Refer to the endorsement for details. This coverage does not apply to Custom or Classic Motorcycles.

Availability

Foremost motorcycle insurance is only available in the United States, in all states except Hawaii and Massachusetts. Please note that coverage and coverage amounts vary by state. All coverages may not be available in all areas.