Do You Need Comprehensive Coverage for Your Motorcycle?

Riding a motorcycle may offer a distinct combination of freedom, efficiency and practicality, but it also carries risks that differ from those associated with other vehicles. As such, it is crucial to have motorcycle insurance that incorporates adequate financial protection, including comprehensive coverage.

What Is Comprehensive Coverage?

Comprehensive coverage is designed to provide financial support if incidents unrelated to collisions occur. This can include losses from theft, vandalism and fire, as well as weather-related events such as hailstorms. It may also cover damage caused by falling objects, whether that’s a tree branch during bad weather or debris from a nearby structure.

When Is Comprehensive Coverage Recommended?

While comprehensive motorcycle coverage is not required by Texas law, it can make a significant difference in helping prevent an unexpected incident from becoming a significant financial burden. Additionally, if you have a loan or lease on your motorcycle, your lender may require comprehensive coverage as part of your policy.

Comprehensive coverage can be a valuable addition to your motorcycle insurance, especially if your day-to-day circumstances expose your bike to more risk. For instance, if you regularly park outdoors, whether on the street, in open lots or in neighborhoods where theft or vandalism tends to be higher, this type of coverage can offer financial protection.

It’s also worth considering if you live in an area with severe weather. In regions prone to hailstorms, heavy rain, or occasional flooding, comprehensive coverage helps safeguard you from damage that can occur even when your motorcycle is parked.

Get Started

At Zenitram, we’re here to help you understand your coverage options. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.