You’ve finally purchased the motorcycle of your dreams in Cincinnati, OH; now it’s time to insure it. Yet you’re faced with a wide range of policy costs. Is it worth getting full coverage motorcycle insurance? Advantage Insurance Network recommends getting coverage above the state minimum for most riders.

Ohio’s Minimum Coverage for Motorcycles

Ohio requires motorcyclists to have liability insurance for bodily injury of $25,000 per person and $50,000 per accident, plus property damage of $25,000 if an accident occurs. You are not required to take any other types of coverage for your policy. A liability-only motorcycle policy can be much less expensive than a full-coverage policy. However, it’s not a wise choice, especially if you have an expensive bike. If you are involved in a wreck, you’ll have to pay for the repairs out of pocket.

Components of a Full Coverage Policy

Full coverage policies for motorcycles are similar to those for autos. Collision coverage pairs for repairs or replacement of your bike resulting from an accident with a vehicle or object. Comprehensive covers theft and damage incurred from fire, floods, falling objects, and similar events. The latter is beneficial if you store your motorcycle during the winter. Some policies even have a complete replacement or an upgrade provision if your motorcycle is totaled in a covered incident. Riders can also opt to get insurance for their cycle’s accessories,  but coverage amounts vary by insurer. Other options include uninsured/underinsured motorist coverage and personal injury protection (PIP).

Let Our Agents Help You

Advantage Insurance Network, serving Cincinnati, OH, can help you select the right motorcycle insurance policy to meet your needs. We can recommend appropriate coverage amounts and add-ons to keep your bike safe. Contact us today for an appointment.