The Essentials of Motorcycle Insurance

Lisa Broadbent • August 2, 2023

Motorcyclist on black bike rides along coastal road. Setting sun, sea, and mountains.

The three essentials for feeling truly free on a ride:

A protective helmet
A solid jacket and foot protection
A bulletproof motorcycle insurance policy for you and your passenger

Whether you’ve got the ride of your dreams or you’re saving up for your perfect bike, there’s only one way to enhance that feeling of leaving all of your worries behind.

Motorcycle Insurance: do you really need it?

Owning a motorcycle can be one of the most exhilarating things in life, but according to the National Safety Council, a motorcycle accident that result in serious bodily harm happens every 6 minutes in the United States.

If you think motorcycle insurance is a “wasted” expense, think again. Insurance is more about managing your risks than anything else. Without insurance, all it takes is one accident to drain your savings or your ability to pay medical expenses.

Even if it is off season and your bike is just sitting in the garage you need to have coverage otherwise it will not be insured even if there is a house fire. Your homeowners, renters or condo policy excludes your bike. So make sure you keep your bike insured throughout the entire year.

We are here to make sure you have the right coverage for your needs, and that means we will do our best to get you the best coverage for the most reasonable cost.

What are your coverage options?

There are mandatory minimums, of course, but you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage and better peace of mind, including:

Additional liability coverage
Collision
Comprehensive
Roadside assistance
Bike accessories
Total loss insurance
Rental vehicle coverage
Trip interruption coverage
On road insurance for off road vehicles

When you need the best motorcycle insurance

You can trust our team when you need to decide on insurance for your bike. As an independent company, we are not tied to just one insurance company. We have several A-plus-rated insurance carriers we can shop with, to make sure you get the very best Motorcycle Insurance and the lowest premiums.

Why we are different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact Broadbent Insurance Agency today and we'll help you protect what matters most. Call us at (302) 731-0044 to discuss motorcycle insurance and any other insurance need you might have.

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How to Help Prevent Ice Dams

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Taking precautions to prevent ice dams is an important part of preparing your home for winter weather. Knowing what an ice dam is , minimizing the conditions that allow one to form and removing an ice dam as soon as you spot one can help prevent serious damage to both the roof and the inside of your home. Take action before snow starts falling An ice dam may develop during the cold winter months if warm air from your home or attic melts snow on your roof. In freezing temperatures, the melted snow may refreeze once it reaches the colder edge of the roof. Keeping the temperature of your attic at 32°F or below can help prevent snow from melting and ice dams from developing. The following are some steps you can take to help prevent the snow melting-and-freezing cycle that often causes ice dams: Insulate your attic. Be sure your attic is properly insulated to help prevent warmth from escaping through ceilings. Whenever possible, an insulation value of R-40 is recommended. Prevent air leaks. Check and seal any openings where warm air or heat could escape into the attic, such as insulating or caulking around vent pipes, exhaust fans, chimneys, attic hatches and/or light fixtures. Improve ventilation. Increase the number or size of attic, roof or soffit vents that allow cold air to circulate and flush warmer air out during the winter. Install a water-repellent membrane. When replacing the roof covering, install a water-repellent membrane underneath the shingles. This acts as an extra barrier that helps prevent water from seeping inside the building should an ice dam form. Tips to help prevent ice dams through the winter Ice dams can sometimes form despite your best efforts to keep your roof at the proper temperature. Be sure to monitor the weather and maintain your roof throughout the colder winter months for additional protection against ice dams, such as: Clear gutters and downspouts. Prevent water from accumulating and possibly freezing in your gutters by cleaning leaves, debris and snow accumulation from in and around gutters and downspouts. Making sure that your gutters are properly pitched can also help prevent the collection of water in low spots and help reduce the potential for ice buildup in gutters. Remove snow accumulation from your roof after every storm. Whenever possible, use a roof rake to clear snow about three to four feet from the edge of your roof soon after each storm. Snow accumulation along the edge of your roof increases the likelihood of an ice dam developing, which prevents water from draining off the roof. This water can then back up underneath roof shingles and make its way into your home. Remove ice dams as soon as you spot them. Check your roof often and know how to help identify and remove an ice dam. CAUTION: Avoid using a ladder in snowy and icy conditions. This can be extremely dangerous and is best left to the professionals. For questions or concerns about insurance to protect your home’s roof, please contact us at 302-731-0044 , or email lisa@broadbentins.com . Our agents and staff are available Monday-Friday, 8 a.m. to 5 p.m. ET, with the exception of holidays.