Most riders need a mix of core coverages to stay protected on the road. Here’s the quick breakdown:
Liability coverage – Covers injuries or damage you cause to others.
Collision coverage – Helps repair your bike after an accident, no matter who’s at fault.
Comprehensive coverage – Protects your motorcycle from theft, vandalism, weather damage, and the unexpected.
Uninsured/underinsured motorist coverage – Steps in if you’re hit by someone who doesn’t have enough insurance (or any at all).
We’ll help you choose the right combination based on how you ride and what you ride.
Absolutely! If you own multiple bikes, we can put them on one policy — and you may qualify for multi-bike discounts. More bikes, more savings. That’s a win.
Not always. Some basic policies only cover the rider.
To make sure your passenger is protected, you’ll want guest passenger liability or Medical Payments (MedPay) coverage. We’ll help you choose what fits your riding style and who you usually bring along.
If your bike has custom paint, chrome upgrades, saddlebags, or aftermarket parts, standard motorcycle insurance may not fully cover them.
The good news? You can add accessory coverage to protect all the upgrades that make your bike your bike. Just tell us what you’ve added, and we’ll make sure it’s covered.
Yes! Your motorcycle insurance follows you anywhere in the U.S. If you’re riding into Canada or planning an international adventure, just let us know — you may need additional coverage depending on your destination.
At Elite Risk Advisors, we help you build a motorcycle insurance policy that fits your needs, your vehicle, and your budget. Below is a clear breakdown of the most common coverage options and what they protect, so you can feel confident in choosing the right level of protection.
Covers injuries or property damage you may cause to others in an accident. This is the foundation of any motorcycle insurance policy.
Pays to repair or replace your motorcycle if it’s damaged in an accident — regardless of who was at fault.
Protects your bike from non-collision events like theft, vandalism, fire, falling objects, and weather-related damage. Basically, everything the road didn’t do.
Covers your medical bills and bike repairs if you’re hit by a driver who has little or no insurance — a must-have for Kentucky riders.
Helps pay medical expenses for you and your passengers after an accident, no matter who caused it.
If your motorcycle is totaled in a covered accident, this helps reimburse you for a brand-new bike rather than the depreciated value.
Protects aftermarket upgrades like custom paint, saddlebags, chrome additions, LED lighting, exhaust systems, and more — all the things that make your ride truly yours.
Getting started is easy. Whether you’d like to stop by for a friendly, face-to-face conversation or prefer to request your quote online from the comfort of home, we’re here to make the process simple. Tell us what you need, and our team will guide you from start to finish.
Once we gather your information, we’ll provide personalized motorcycle insurance quotes tailored to your needs. We’ll walk you through how each option compares to your current coverage so you understand exactly what you’re getting. Whether you're hoping for better protection, lower rates, or both, our team is here to help you find the policy that fits just right.
When you’re ready to make the switch, just say the word. We’ll take care of everything—from setting up your new motorcycle insurance policy and notifying any lienholders or required parties on your behalf. All you have to do is sit back, relax, and enjoy the confidence (and savings) that come with better coverage.
