Liability
Helps pay for injuries and property damage you cause to others in an accident where you are legally responsible. Kentucky, Ohio and Indiana each set their own minimum requirements.
What it covers
What motorcycle coverage can include
Motorcycle policies are separate from your auto policy. They protect you, your bike and other people on the road. Coverage options vary by policy and carrier.
Collision
Helps repair or replace your motorcycle after a crash, whether you hit another vehicle, an object or the ground.
Comprehensive
Helps with non-collision losses such as theft, vandalism, fire, falling objects and animal strikes.
Uninsured and underinsured motorist
Helps if you are hurt by a driver who has no insurance or not enough of it. It matters more on a motorcycle than most riders realize.
Medical payments
Can help with medical bills for you or a passenger after a covered accident, regardless of fault.
Accessories and gear
Custom parts, saddlebags, audio and sometimes helmets and riding gear can be covered when listed. Ask about limits for aftermarket items.
Who needs it
Who needs motorcycle insurance
If any of these sound like you, it is worth a quick conversation. We serve Kentucky, Ohio and Indiana.
Daily commuters
If your bike is your main ride, your policy needs to handle year-round use.
Weekend riders
Seasonal riding can change how you want the policy set up. Ask about storage and lay-up options.
Owners with a loan
Lenders typically require liability, collision and comprehensive. We will confirm what yours asks for.
New riders and returning riders
Experience, training and the type of bike can all matter. We will help you gather what to share.
Local agency
Motorcycle coverage in Florence, Boone County and Northern Kentucky
Northern Kentucky riders have rolling roads along the Ohio River, state routes through Boone, Kenton and Campbell counties and easy access to I-71 and I-75 for longer trips. Traffic around Florence, Cincinnati and the airport corridor is a daily reality, and so is the need for solid liability and uninsured motorist protection.
Turner Insurance Group is based in Florence and writes policies in Kentucky, Ohio and Indiana. If you ride across state lines, tell us where you ride and we will go over what applies.
Be prepared
What to have ready
Bike details
Year, make, model, VIN and any custom parts or accessories you have added.
Rider information
Years riding, license details and any rider safety courses you have completed.
How you ride
Commuting, pleasure, touring or a mix, and roughly how many miles per year.
Where it is kept
A garage, shed or covered space can matter to a policy. Tell us where it stays overnight.
FAQ
Common questions
Is motorcycle insurance required?
Kentucky, Ohio and Indiana each require motorcycle owners to carry liability coverage or otherwise meet financial responsibility rules. Minimum requirements differ by state, and lenders may require more. We will help you understand your state's rules.
Does my auto policy cover my motorcycle?
Typically no. Motorcycles are generally insured under a separate policy. Your auto policy is written for cars and trucks.
Can I insure my gear and accessories?
Often yes. Aftermarket parts, luggage and some riding gear can be covered when listed, subject to limits and terms. Share what you have added and we will go over the options.
What if I only ride part of the year?
Some policies offer ways to adjust coverage during the off-season. Availability varies by carrier, so ask us before you put the bike away.
Do you help riders in Ohio and Indiana?
Yes. We write policies in Kentucky, Ohio and Indiana. Coverage options vary by policy and carrier.
Should I add uninsured motorist coverage?
Many riders choose to. If you are hit by a driver without enough insurance, this coverage may help with your injuries and bike damage, depending on the policy. We will explain how it works in your state.
Keep reading
Related coverage & guides
Auto insurance · Umbrella insurance · Boat insurance · Golf cart insurance · RV, camper & travel trailer · State minimums aren’t a plan · All coverage
Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Ready for a motorcycle quote?
Request a quote online, or call or text our Florence office at 7000 Houston Rd, Ste 12. We serve Kentucky, Ohio and Indiana.