Riding a motorcycle isn’t just about the thrill of the open road—it’s also about ensuring safety. Quality gear, from helmets to riding jackets, is essential for safety, but what happens if your gear is damaged in an accident or stolen? At Fortress Insurance Agency in Overland Park, KS, we help riders understand how their insurance can protect not just their bike but also their essential riding equipment.
Does Motorcycle Insurance Cover Riding Gear?
Standard motorcycle insurance policies primarily focus on covering the bike itself, but coverage for riding gear depends on the specifics of your policy. If you’re involved in an accident and your helmet, gloves, or protective clothing are damaged, your insurance may help cover replacement costs—especially if you have comprehensive or collision coverage. Some policies automatically include a small amount for riding gear, while others require an add-on for full protection.
Many riders also worry about theft. If your gear is stolen from your bike or garage, coverage may depend on whether you have personal property protection included in your policy. Sometimes, a homeowner’s or renter’s insurance policy may help cover stolen gear, but it’s important to check the details, as limits and deductibles can vary.
Ensuring Full Protection for Your Gear
To ensure your riding gear is covered in all situations, consider adding an accessory coverage option to your motorcycle insurance. Keeping receipts and photos of your gear can also help with claims.
Secure the Right Coverage Before You Ride
Your gear is just as important as your bike. Fortress Insurance Agency in Overland Park, KS, can help you find a motorcycle insurance policy covering you from head to toe. Contact us today to explore your options!
