Motorcycles are not just a mode of transportation; it’s a passion for many riders in and around Memphis, TN. Whether you ride for leisure or as your primary means of commuting, investing in motorcycle accessories and gear is a common practice. However, these accessories can be significant investments, and protecting them is essential.
The Value of Motorcycle Accessories and Gear
Motorcycle enthusiasts often spend considerable money on accessories and gear to enhance their riding experience and safety. These include helmets, jackets, gloves, riding boots, saddlebags, and aftermarket performance parts. The combined cost of these accessories can add up, making them valuable assets for riders.
Motorcycle Insurance vs. Accessory Coverage
When considering how to protect your motorcycle accessories and gear, it’s essential to understand the options available:
- Motorcycle Insurance: Standard motorcycle insurance typically covers your motorcycle in the event of theft, accidents, or damage. Most policies cover accessories and gear up to a specific limit, but it may not be enough to replace high-end items fully. Some policies may not even mention them.
- Accessory Coverage: To ensure your accessories and gear are adequately protected, you can purchase accessory coverage as an add-on to your motorcycle insurance policy.
Considerations When Adding Accessory Coverage
When opting for accessory coverage, keep the following in mind:
- Item Valuation: Ensure that your coverage adequately reflects the value of your accessories and gear through receipts.
- Coverage Limits: Be aware of any coverage limits or deductibles associated with your accessory coverage.
- Comprehensive vs. Collision Coverage: Accessory coverage may fall under comprehensive or collision coverage, depending on the circumstances of the loss.
Keltner Insurance Can Help You with Motorcycle Insurance
At Keltner Insurance, we can answer all your questions concerning motorcycle insurance. We assist the Memphis, TN area. Contact us today.