Motorcycle Insurance

American Modern® offers replacement cost coverage that does not expire, and we include $3,000 in accessory coverage.

Coverage for most bike types

  • Cruiser
  • SuperSport
  • Touring
  • Dual purpose
  • Standard
  • Scooter
  • Dirt bike
  • Trike conversion
  • Moped

A similar program accepts golf carts and all-terrain vehicles

 

Replacement cost coverage does not expire

When you add replacement cost coverage when the bike is new — or even up to two model years old — you can keep that level of protection for as long as you own the bike. That eliminates depreciation in the event of a claim. Most other insurance companies cancel replacement cost when the bike reaches its third year.

 

Key program benefits

  • Our program is particularly attractive for a Harley-Davidson, Yamaha or Honda.
  • Replacement cost coverage for bikes two model years and newer does not expire.
  • Street-driven units include $3,000 in accessory coverage. Off-road units include $1,000.
  • Other options include travel loss reimbursement, rental reimbursement, and transport trailer.
  • Multiple discounts for home ownership, safety course completion, insuring multiple units, transferring your policy to us, and claim-free renewal.

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