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Insurance Coverage Basics For A New Motorcycle Owner

After purchasing a motorcycle, you may be ready to seek insurance coverage. Learn about motorcycle insurance and the proper steps to take to obtain adequate coverage.

Motorcycle Insurance

Motorcycle insurance provides protection against theft and damage. It can also provide financial protection if a motorcycle owner is sued for damages that they are responsible for. Motorcycle insurance is required in many regions. At the very least, a motorcycle owner should have liability coverage. 

Basic Information

One of our insurance agents at Land Home Insurance Services can assist you with obtaining coverage. You will need to furnish some basic information during a consultation.

The agent who assists you will need to know about the manner in which you use your motorcycle. They will require you to outline how often you drive your motorcycle. They will also request information about the regions you operate your motorcycle in. Your personal details and details about the motorcycle should be furnished during the consultation.

Insurance Products

The agent will highlight some insurance products that you can select from. Your budget and your experience operating a motorcycle may influence which insurance products you seek. Each insurance type will cover specific things. The agent who assists you will let you know about the different levels of protection. They will highlight coverage amounts. They will explain the process to follow if you need to file an insurance claim.


It is important to carry proof of insurance when you are operating your motorcycle. Taking a safe operating course will help you avoid accidents when you are actively operating your motorcycle.

Consult With Us

Contact an agent at Land Home Insurance Services if you have any questions about the insurance coverage you have. You can also request to modify your coverage.

The Top 3 Things Covered by Motorcycle Insurance

Most states within the US require everyone owning a motorcycle to have motorcycle insurance. But what exactly is it good for? A lack of understanding about exactly what your policy covers can lead you to unnecessary hassle later on, plus confusion about whether or not the coverage you have is what’s right for you.

Here are the three main things that are generally covered:

Accidents and Other Damage

Should your bike be damaged in an accident, a natural disaster, or even theft, your full coverage insurance policy will more than likely cover the cost of repairs minus your deductible. These types of policies are typically required by law and can be worth their weight in gold should your motorcycle receive serious damage.

Injuries to You or Your Passenger

Optional in some states and required in others, policies that cover the cost of medical bills for you or your passenger are invaluable. Should you be involved in an accident, regardless of who is at fault, these policies will cover the associated medical bills up to a certain limit, similar to health insurance.

Uninsured or Underinsured Motorists

It’s no secret that not every driver on the road is a responsible one. If another driver hits and injures you or your bike but does not have the proper insurance, it’s possible that your policy will pick up where theirs left off. This means you will never be stuck holding the bag for an accident that was not your fault.

Land Home Insurance Services is Here to Help!

Ensuring that you have the coverage you need isn’t hard with help from Land Home Insurance Services. Our team of agents can get you set up with a personalized policy at a great price. Give us a call today to get started!

Mandated Motorcycle Coverage in California

If you have resided in another US state, you might celebrate the low minimum required insurance for your motorcycle in California. Land Home Insurance Services wants you to understand how the state’s low insurance mandate can hurt you though.

Mandated Motorcycle Insurance

In California, you only need to carry property damage and bodily injury coverage to comply with the law. Your bike policy must at least provide the following coverage:

  • $5,000 for damage to personal property,
  • $15,000 for bodily injury to or death of one person involved in an accident you cause,
  • $30,000 for bodily injury to or death of all individuals involved in an accident you cause.

While that makes your insurance rather reasonable, it doesn’t fully cover you. For example, although your bodily injury coverage pays for $15,000 of medical bills for an individual since the typical night’s stay in a hospital costs about $8,000, just one day and night of medical treatment could exhaust your coverage. The law says that if police or the court finds you at fault for the accident, then you incur the liability for all medical and property damage.

If the person you hit with your bike required $50,000 of medical treatment, your insurance covers $15,000 of it. You pay the rest out of pocket. The court can garnish your paycheck and some government payments to pay this debt. So, carrying a reasonable amount of insurance offers a better solution.

Important Optional Insurance

The state-required coverage also does not cover your motorcycle or trike. If you wipe out a patch of black ice and tear up your bike, you need collision coverage for your insurance to pay for the damages. Otherwise, getting your bike fixed comes out of your pocket.

Add comprehensive coverage to protect your bike from California’s earthquakes, hail damage, and other natural hazards. If you ride out of state, your coverage goes with you, so your bike receives protection from Colorado wildfires, Oklahoma tornadoes, North Dakota snowstorms, and much more.

To protect your own health, choose personal injury protection (PIP) coverage. It pays for your medical bills regardless of who caused the accident. If you get hurt because a deer ran out in front of your trike, your PIP covers your medical bills.

Get Coverage For Your Motorcycle Today

Contact our team of insurance experts at Land Home Insurance Services to purchase full coverage motorcycle insurance. We can help you benefit through better coverage than the state minimums.

Why Do You Need Motorcycle Insurance?

If you have a motorcycle, you might be wondering about motorcycle insurance. You may not be interested in getting any. However, that could be a mistake. Here are some reasons why Land Home Insurance Services recommends this insurance in Concord, CA. 

Why Do You Need Motorcycle Insurance?

It may be required by your state. Most states require that you have some sort of motorcycle insurance. The only state that doesn’t require motorcycle insurance is Florida. 

Your loan may require insurance, in order to protect your investment. Just like with car insurance, if you had to take out a loan in order to buy your motorcycle, they will require you to take out a certain amount of insurance. They may require collision and comprehensive insurance.

If you can’t afford to replace your bike, you are going to need insurance. If money is tight, and you can’t afford to fix your motorcycle or replace it, you should consider getting insurance. If the accident is your fault, you are going to be held liable for all of the costs, including your own bike. 

You could also be held liable for their repairs, plus any medical bills that they may have. If you hurt someone in an accident, you are going to have to pay for their medical care, no matter what it costs. Your insurance will cover those fees unless you don’t have any. 

Though you may not want insurance, everywhere except Florida requires you to have it. Your loan company may also require it. Other than that, you should have it so that you don’t have to worry about paying for medical bills and fixing your bike if you are involved in an accident. 

If you need someone to talk to about motorcycle insurance, you should contact us at Land Home Insurance Services in Concord, CA. 

Motorcycle Insurance Ins and Outs

Under certain circumstances, motorcycle insurance can be mandatory. In many cases, even if not mandatory, motorcycle insurance can really save you in sticky situations. We will discuss these situations a bit more below, and give some advice on motorcycle insurance in general. 

If you want to consider getting motorcycle insurance or if you want to review your current motorcycle insurance, look no further than Land Home Insurance Services in Concord, CA, servicing all of these states:

  • Arizona
  • Colorado
  • California
  • Illinois
  • Indiana
  • Iowa
  • Minnesota
  • Michigan
  • Nevada
  • Ohio
  • Oregon
  • Tennessee
  • Washington
  • Wisconsin

What kind of coverage to get

You should definitely always consider certain types of coverage for your motorcycle. Some of these include the following:

  • Liability coverage, which you need in case you hurt another person or driver. You can also use this if you are liable for damage to someone else’s vehicle or property.
  • Coverage in case you are in an accident with an uninsured person. Usually, if you are in an accident, the other driver’s insurance covers your medical and repair costs. In the case that a driver is uninsured, they would be required to cover these costs themselves. In most cases, these costs are too high, so if you are covered, at least you could cover these costs yourself. 
  • Insure yourself for coverage for repairs to your motorcycle. You might need this in case of an accident or if someone damages your parked motorcycle. 

Land Home Insurance Services in Concord, CA can help you pick out the right motorcycle insurance for you. We use several providers and can customize your quote, especially for you and your needs. You can call us or request a quote on our website. 

Is motorcycle insurance in California necessary?

When you live in the Concord, CA area, having a motorcycle can be a great transportation option. These are fun to drive, but they are also efficient and practical in this climate. Along with your motorcycle, you will also need to get a motorcycle insurance plan. This type of coverage continues to be necessary for owners all over the Concord area. 

Coverage is a Legal Obligation

You will need to have a motorcycle insurance plan because it is a legal obligation. If you want to operate any vehicle in California, you need to carry liability insurance. If you do not, you will not have the capacity to cover damages that you cause. Additionally, you will violate the law and could face a few different forms of penalization.

Coverage Protects Your Asset

It would be best if you also thought about getting motorcycle insurance because it will protect your asset. If you choose to invest in a motorcycle, your motorcycle insurance plan will provide the coverage needed to protect against the risks of theft or accident damage. This can help ensure that you can enjoy the motorcycle for years to come and will allow you to stay in compliance with a motorcycle loan. 

Motorcycle owners in the Concord, CA area will clearly benefit if they get insurance for their vehicles. If you want to get one of these insurance plans here, calling the team with Land Home Insurance Services is a great decision. The insurance professionals with Land Home Insurance Services know the value that comes with this type of coverage. They can offer you the support needed to understand your options and build a plan that is right for your situation. 

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