What specialty insurance does Foremost write in Georgia?

Foremost Insurance (a Farmers subsidiary) specializes in specialty personal lines.

Can I cover my motorcycle on my regular auto insurance policy?

Yes. Standard personal auto policies specifically exclude motorcycles.

Does motorcycle insurance cover custom parts and aftermarket equipment?

Standard motorcycle policies typically cap coverage for aftermarket and custom parts at $3,000 or less, and most states, including Georgia, do not mandate a specific custom-parts coverage requirement.

What do comprehensive and collision cover on a motorcycle policy?

Comprehensive covers theft, fire, weather, and non-collision damage.

What coverage should I carry on a Georgia motorcycle policy?

Georgia does not require motorcycle insurance beyond the standard 25/50/25 liability minimums, but those limits are inadequate for a serious accident.

Motorcycle FAQs

Does motorcycle insurance cover theft in Georgia?

All FAQs

Quick answer: Comprehensive coverage on a motorcycle policy covers theft, which is particularly important since motorcycles are easier to steal than cars.

Motorcycle insurance can cover theft in Georgia, but only if your policy includes comprehensive coverage. The liability insurance Georgia requires does not protect your bike from theft: it covers damage you cause to others in a crash, nothing more.

What events does comprehensive coverage include on a motorcycle policy?

Comprehensive coverage is the portion of a motorcycle policy that pays when your bike is damaged or lost due to something other than a collision. Theft falls squarely in that category. A policy with comprehensive in place also covers:

Theft of the entire motorcycle
Vandalism and damage from an attempted theft
Fire
Storm damage, hail, wind, flooding
Falling objects
Hitting an animal

How does a stolen motorcycle claim actually pay out?

If your motorcycle is stolen and not recovered, comprehensive pays its actual cash value at the time of the theft, minus your deductible. Actual cash value reflects current market value, not the original purchase price. Bikes depreciate, so the payout shrinks over time.

For example, a three-year-old motorcycle originally purchased for $14,000 now has an actual cash value of $9,500. With a $500 deductible, the comprehensive payout would be $9,000. The depreciation gap between the original price and the claim check is real, and it grows each year the bike ages.

Are personal belongings on the bike covered under a motorcycle policy?

Personal items stored in saddlebags or cargo bags are generally not covered under a motorcycle policy. Helmets, riding gear, electronics, and other belongings left on the bike at the time of theft typically fall outside the motorcycle policy's scope. Those losses may be covered under a homeowners or renters insurance policy instead, depending on your limits and whether the loss qualifies under that policy's terms.

For example, a rider loses a $600 helmet and $400 in electronics when her bike is stolen from a parking lot. The motorcycle policy pays for the bike itself, not the gear. Her renters insurance policy, which covers personal property away from home, pays for the helmet and electronics after her renters policy deductible.

Do anti-theft devices reduce the comprehensive premium?

Anti-theft devices such as disc locks, GPS trackers, and chain locks do not change what a policy covers, but some insurers factor security measures into the comprehensive premium. The deductible you choose also directly affects what you pay for comprehensive and what you net from a claim. A higher deductible lowers the premium but raises your out-of-pocket cost if the bike is stolen.

Is comprehensive coverage required in Georgia, or is it optional?

Comprehensive is an optional add-on in Georgia, so it does not attach to a policy automatically. If you are financing or leasing the motorcycle, the lender typically requires it. Owners who paid cash for a bike and chose minimum coverage to save on cost should confirm whether they have comprehensive before assuming theft is covered.

A free coverage review with our team will confirm whether comprehensive is on your current policy, check your deductible, and identify whether your riding gear is covered under your existing policies. See our auto insurance page for more on motorcycle coverage options in Georgia.