As a motorcycle owner, you likely view insurance as a way to protect yourself and your investment while riding on Dallas, TX, roads. While this is true, the comprehensive portion of a motorcycle insurance policy also protects your bike when it’s not in use. Accidents can happen even when your motorcycle is parked or stored. Alloy Insurance Partners can help you select a policy that sufficiently safeguards your investment.

Why Choose Comprehensive Coverage?

Although state law doesn’t require comprehensive coverage, your lender may mandate it until your motorcycle is fully paid off. Even if it’s not required, experts recommend including this provision in your policy to protect against unexpected events. Comprehensive coverage ensures that if something beyond your control damages your motorcycle, your insurance will cover repairs or replacement up to the bike’s value, minus your deductible. Opting for a higher deductible can lower your premium costs.

Comprehensive coverage protects against the following types of incidents:

• Fire
• Theft
• Falling objects
• Vandalism
• Collisions with wildlife
• Severe weather, such as thunderstorms or tornadoes
• Glass breakage
• Natural disasters

When Comprehensive Coverage Applies

If you store your motorcycle during the winter, mishaps can still occur in the storage facility. Fires, roof collapses, or vandalism can damage or destroy your bike. If you park your motorcycle outside, falling tree branches or severe storms can cause significant damage.

It’s important to note that comprehensive coverage does not include normal wear and tear, intentional damage, or damage from off-road riding.

Learn how to fully protect your motorcycle with liability, comprehensive, and other coverage options in a full-coverage insurance policy. Contact Alloy Insurance Partners, serving Dallas, TX, to get started today.