Motorcycle riders often invest heavily in safety gear, custom parts, and accessories to enhance their riding experience. At Griffith Insurance LLP in West Chester, PA, we help riders understand what equipment their motorcycle insurance covers and what might require additional protection to avoid costly surprises after an accident or theft.
Standard Policy Equipment Coverage
Most motorcycle insurance policies provide limited coverage for equipment and accessories. Basic policies typically cover permanently attached accessories up to a specific dollar amount, often between $1,000 and $3,000. This coverage may include items like windshields, saddlebags, custom exhaust systems, and upgraded lighting. However, removable items such as helmets, riding jackets, boots, and portable electronics are usually not covered under standard policies.
Custom Parts and Aftermarket Equipment
If you’ve invested in expensive custom parts or aftermarket upgrades, standard coverage may not be sufficient. High-end exhaust systems, performance modifications, custom paint jobs, and premium audio systems can easily exceed basic equipment limits. Many insurers offer custom equipment coverage as an optional add-on, providing higher limits specifically for these valuable modifications.
Coverage for Personal Riding Gear
Your riding gear represents a significant investment in safety and comfort. Premium helmets, leather jackets, boots, and gloves can cost thousands of dollars but are typically not covered by motorcycle insurance. Some insurers offer personal effects coverage, or you may need separate protection through your homeowner’s or renter’s insurance policy.
Protecting Your Investment
Understanding your policy’s equipment coverage can help you avoid unpleasant surprises when filing claims. Review your coverage limits and consider additional protection for expensive gear and custom modifications. Your motorcycle is more than just transportation—it’s an investment, and your insurance should reflect that. Contact Griffith Insurance LLP in West Chester, PA today to discuss comprehensive coverage options that protect both your bike and your valuable riding equipment.
