Homeowners Insurance for Winter-Storing a Motorcycle

Storing Your Motorcycle and Insurance

The Single Biggest Mistake Motorcyclists Make When Storing Their Bikes for the Winter

The Motorcycle Legal Minute™ was created by Jason Waechter, THE Motorcycle Lawyer, to explain Michigan’s motorcycle law in a short and easy to understand way.

Here is a legal truth: Your Homeowner’s insurance does NOT cover your motorcycle.

Some folks try to save a few bucks by cancelling their motorcycle insurance during the colder months. If you do this and your bike is damaged, YOU are stuck with the bill – your homeowner’s won’t pay.

Here are a few examples of unfortunate events that won’t be covered if you cancel your motorcycle insurance policy:

• Your motorcycle is stolen.
• Your garage floods.
• Garage catches fire.
• Your roof leaks or falls in.
• A tree blows over during a storm, hitting garage.
• Rodents chew seat and wiring.

And, of course… you can’t help yourself: on the first beautiful day in March or April, you take a short ride down the street. If you wreck, you’re screwed. There is no coverage for the damage.

To be safe, I just leave all my motorcycle insurance on my bike for the winter.

If you really need to save every penny, you can drop your Bodily Injury and Collision Coverage, but keep the Comprehensive Coverage. Comprehensive is what pays for theft, vandalism, falling objects, fire, storms, flood and natural disasters.

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