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Motorcycle Insurance

Ride with Confidence on Florida's Roads.

Coverage designed for everyday riding on Florida roads and beyond.

Florida's year-round riding weather makes motorcycles more than just vehicles—they're a lifestyle. Whether you're commuting through Cape Coral, touring the coastal highways, or enjoying weekend rides, specialized motorcycle coverage protects both you and your investment from the unique risks riders face.

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Who This Coverage Is For

Motorcycle insurance serves Florida riders across the entire spectrum—from daily commuters to touring enthusiasts exploring scenic coastal routes. If you own a bike, coverage protects you from the financial impact of accidents, theft, and liability claims that riders uniquely face.

This coverage is especially useful for riders with newer or more expensive motorcycles, those who often ride in traffic, those with custom equipment, or those who want more protection than the law requires. Since every rider and bike is different, it’s best to choose coverage that fits your needs.

Understanding Motorcycle Insurance Coverage

Motorcycle insurance differs from car insurance because motorcycles pose unique risks. Riders are more exposed, bikes are more likely to be damaged or stolen, and injuries are often more serious, even at lower speeds.

Coverage is meant to protect both you and others. You can adjust your policy based on how you use your motorcycle, how often you ride, and how much risk you’re comfortable taking on.

Common Motorcycle Insurance Coverages Include:

  • Liability Coverage
    Helps cover bodily injury or property damage you may cause to others in an accident.
  • Collision Coverage
    Helps cover repairs or replacement costs if your motorcycle is damaged in a collision, regardless of fault.
  • Comprehensive Coverage
    This covers losses from theft, vandalism, fire, falling objects, or weather damage that isn’t caused by a crash.
  • Medical Payments or Injury-Related Coverage
    This helps cover medical bills after a motorcycle accident, regardless of who was at fault.
  • Uninsured / Underinsured Motorist Coverage
    This protects you if you’re hurt in an accident caused by a driver who doesn’t have enough insurance or any at all.
  • Custom Parts and Equipment Coverage
    This helps cover custom parts or upgrades you’ve added to your motorcycle that a standard policy might not include.

Coverage options, limits, and availability can vary by rider. You may not need every type of coverage, but knowing what each one does can help you avoid missing important protection. For example, a rider who rarely travels on major roads may elect not to purchase certain high-limit coverages, while another with a custom motorcycle and frequent city trips may require additional protection against theft or accidents involving uninsured motorists.

Florida-Relevant Considerations

Florida’s year-round riding weather means riders spend more time on the road, especially in busy areas with tourists and drivers who may not know the area. Sudden rain, slippery roads, and low visibility are common and may result in additional accidents and injuries.

Florida has many uninsured drivers, so uninsured motorist and medical coverage are especially important for motorcycle riders. It’s important to choose coverage that fits real riding conditions, not just the minimum required by law.

Common Gaps

Common Gaps We See in Motorcycle Policies

Many people believe they’re adequately insured—until a claim reveals otherwise. Policies are often purchased quickly, renewed automatically, and rarely reviewed as risks change or costs rise.

Some of the most common gaps we identify include:

  • Liability limits that are too low for real-world accidents

  • Missing or insufficient uninsured motorist coverage

  • Deductibles that create financial stress after a claim

  • Policies that haven't been updated after major life changes

These gaps often stay hidden until a claim brings them to light. Our goal is to address them before that happens.

Our Approach

How We Help You Get the Right Coverage

As an independent Florida agency, we're not tied to a single insurance company or a one-size-fits-all approach

  • We take the time to understand your situation

  • Compare multiple top-rated carriers

  • Explain trade-offs clearly so you can make informed decisions

From there, we recommend coverage that aligns with your needs — not just the cheapest number on paper. And our role doesn't end once your policy is in place. We're here to help with changes, renewals, questions, and guidance when life evolves.

Ready to Get the Right Coverage?

If you’re unsure whether your current policy truly protects you, now is the right time to review it. A proactive conversation today can prevent costly surprises later.

Whether you’re shopping for new coverage or simply want a second opinion, we’re here to help you move forward with confidence

  • Review Your Coverage?

  • Get the New Coverage?

  • Update Your Coverage?

Why US

Why Work With Right Choice Insurance

We believe insurance should be clear, practical, and built around real life—not assumptions or shortcuts.

As an independent agency, our responsibility is to you. That means honest guidance, transparent recommendations, and ongoing support—not pushing a product because it’s convenient.

Clients work with us because we offer:

  • Independent advice

    Access to multiple carriers

  • Clear explanations

    No insurance jargon

  • Ongoing reviews

    As needs and risks change

  • Long-term relationship

    Not a one-time transaction