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Motorcycle Insurance

At Horn & Co. Insurance Services, we also offer motorcycle coverage. It’s our job to free you from the worry of owning and riding a motorcycle so that you can enjoy the ride. If you own a Motorcycle, Dirt Bike, Scooter, Moped, Four-Wheel ATV, or Three-Wheel ATV – we can help to make sure that you are completely protected.


Bodily Injury and Property Damage Liability
This coverage pays for bodily injuries to other people or damage to their property if you are liable. Your select the monetary limits of your policy.

Uninsured and Underinsured Motorist*
This coverage pays for bodily injuries or damage to your property caused by an uninsured motorist or a hit-and-run driver, if that driver is liable. It covers you, and your passenger. Your coverage will pay up to the limits that you and you select. Your policy will also pay for bodily injuries caused by a motorist whose insurance is not adequate to pay for the injuries if that driver is liable. Like your uninsured motorist coverage, it also covers your passenger. You'll be paid up to the limit you select, less the amount paid by the other party.

*Mandatory unless rejected in writing, either in its entirety or Property Damage only

Medical Payment
The Medical Payment option pays for reasonable medical expenses arising from an accident, regardless of fault, for you, or passengers up to your policy limit.

Comprehensive
With Comprehensive coverage, damage to your motorcycle will be paid except when it is caused by collision. Coverage includes damage from such causes as fire, vandalism, windstorm, falling objects, animals, water, or flood.

Collision
All accidental damage to your motorcycle by Collision with any object is covered with collision. It pays up to the actual cash value of your motorcycle, less the deductible you select.

Towing and Roadside Assistance (Optional coverage)
If your motorcycle breaks down and can’t be ridden, help is just a toll-free phone call away. A provider will be sent to the scene with the proper equipment to service your bike. If your bike breaks down due to a covered collision away from home, $500 of Trip Interruption Coverage is provided.

Equipment Coverage (Optional coverage)
This option provides up to $3,500 coverage for most accessories permanently attached to your bike such as parts, decorations, custom painting, chroming, side cars or other items that were not originally provided by the manufacturer as standard equipment.

Replacement Cost Coverage (Optional coverage)
For up to two years on bikes purchased new with a maximum MSRP of $35,000 (bike must be replaced).

Policy Discounts
Discounts such as Good Driver, Mature Driver, Multi-Unit, and Safety Course may be available.





Contact us for more information on Motorcycle Insurance, or submit a quote request today.

This is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions. Insurance coverage underwritten by Foremost Insurance Group.