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Coverage built for every journey.

Dependable protection for your motorcycle, on the road and off.

Motorcycle Insurance
What is motorcycle insurance?

Motorcycle insurance is coverage designed to protect both you and your bike while on the road. It helps cover damages to your motorcycle, liability for injuries or property damage you may cause, and can include optional protections like comprehensive coverage, collision coverage, and rental reimbursement.
 

With the right policy, motorcycle insurance gives riders peace of mind knowing they’re financially protected in the event of an accident, theft, or other unexpected events.

What does motorcycle insurance cover?

Motorcycle insurance is designed to protect both you and your bike on every ride.
 

A standard motorcycle policy typically includes:

  • Bodily Injury Liability – Covers medical expenses and lost wages for others if you’re at fault in an accident that results in injury or death. In some states, this coverage also applies to passengers.

  • Property Damage Liability – Helps pay to repair or replace someone else’s property if you cause damage in an accident.
     

Many riders choose additional coverage to further protect themselves, their motorcycles, and passengers:

  • Collision Coverage – Covers damage to your motorcycle if you collide with another vehicle, object, or structure.

  • Comprehensive Coverage – Protects your bike from non-collision events such as theft, vandalism, flooding, or storm damage.

  • Rental Reimbursement – Helps cover the cost of a rental bike if yours is in the shop for repairs following a covered loss.

What does motorcycle insurance typically not cover?

While motorcycle insurance provides important protection, standard policies typically do not cover:

  • Normal wear and tear or mechanical breakdowns

  • Damage from racing or stunt riding

  • Personal belongings stolen from your bike (unless additional coverage is added)

  • Accidents that occur while your bike is used for commercial purposes, like delivery or ridesharing

  • Damage from unapproved modifications or neglect
     

Your Smallwood agent can help you understand exclusions and recommend optional coverages to fill gaps and ensure your motorcycle is fully protected.

Start your motorcycle insurance today with Smallwood Insurance

Find the right policy tailored to your needs and budget.​

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How to get started with motorcycle insurance at Smallwood
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Find the right coverage
Insurance made for your ride. Our team helps design a policy that protects both you and your motorcycle.
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Start your policy
We make getting coverage simple. From quote to policy, our team ensures a smooth process so you can feel protected faster.
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Maintain your protection
Life moves fast — and your insurance should keep up. We’ll help you review and adjust your policy as your home and lifestyle change.
Coverage for Every Ride
We provide reliable coverage for motorcycles, cruisers, sport bikes, and more — so you can find protection that fits the way you ride.
Auto Insurance
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ATV Insurance
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Ride with confidence - coverage that has you covered.

Experience reliable service and personalized support from Smallwood Insurance.

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