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

Is my motorcycle covered if I store it for winter?

All FAQs

Quick answer: Comprehensive coverage protects your motorcycle from theft, fire, and weather damage even when it is stored.

Is my motorcycle covered during winter storage?

Most motorcycle policies keep your bike covered during winter storage, provided you keep the policy active. Canceling or suspending coverage to save a few months of premiums leaves your motorcycle unprotected against the most common off-season risks: theft, fire, storm damage, and falling objects.

What type of coverage protects a stored motorcycle?

The coverage that does the heavy lifting in storage is comprehensive. Comprehensive applies to losses that occur while the bike is parked: a stolen motorcycle, a garage fire, hail damage, a tree branch through the roof, or a flood. It does not require the bike to be in motion or the engine to be running.

Liability coverage works differently. It applies when you are operating the motorcycle and cause injury or property damage to someone else. Stored motorcycles carry no liability exposure, so that portion of your policy is essentially inactive during the off-season, but it is still there and ready when you ride again in spring.

For example, if you park your bike in November and a thief breaks into your garage in January, comprehensive coverage is what pays for the stolen motorcycle, minus your deductible. Without comprehensive on the policy, you bear the full replacement cost out of pocket.

What factors affect how my motorcycle policy handles storage?

Whether your policy includes comprehensive: it is typically optional on motorcycle policies, not automatic
Where the motorcycle is stored: a locked, enclosed garage generally carries lower theft risk than outdoor storage, which can affect premiums and claim circumstances
Your deductible: the amount you pay out of pocket before the policy responds to a covered loss
Policy lapse: if the policy cancels due to nonpayment during storage, coverage stops regardless of the circumstances. A lapse can also make it harder or costlier to get coverage back later

Should I reduce my motorcycle coverage during the off-season?

Some riders ask about reducing coverage during storage to lower costs. The tradeoff is real: dropping comprehensive removes the protection that applies most directly during that period. Whether that tradeoff makes sense depends on the bike's value, where it is stored, and the financial exposure if a loss occurs. Riders who carry both auto and motorcycle coverage often look at the off-season as a chance to review the whole picture.

For example, a motorcycle stored in a shared, unsecured parking structure over winter faces meaningfully higher theft risk than one kept in a locked private garage. The storage location changes the calculation on whether keeping comprehensive is worth the cost.

How do I confirm my motorcycle policy covers me during storage?

If you are heading into winter storage and want to confirm what your current policy covers, a coverage review gives you a clear picture. Schedule a coverage review to go over your motorcycle policy with a licensed advisor.