Motorcycle & ATV Insurance Agency Servicing All of Florida
Having the right motorcycle coverage will provide you with the peace of mind that you AND your bike are covered! Whether you have been in an accident, your bike was damaged or even stolen, let us help provide you with the RIGHT coverage!
Motorcycle Insurance Rules in Florida
- No PIP Requirement: Florida exempts motorcycles from Personal Injury Protection (PIP) rules. Your auto insurance PIP does not cover you on a bike.
- Financial Responsibility: If you cause an accident, you must be able to pay for damages. Most riders buy liability insurance to meet this rule.
- Helmet Laws: Riders age 21 and older can ride without a helmet only if they carry at least $10,000 in medical insurance benefits. Riders under 21 must always wear a helmet.
- Minimum Coverage Options: Standard policies often mirror auto limits, such as $10,000 bodily injury per person, $10,000 property damage per incident, and uninsured motorist protection.
ATV Insurance Rules in Florida
- Homeowners Limits: Homeowners’ insurance rarely covers all-terrain vehicles (ATVs) once they leave your property, and many policies exclude motorized recreational vehicles entirely.
- Dedicated Policies: A separate ATV policy provides liability, theft, and physical damage protection on public trails or away from home.
- Specialized Coverages: Major providers like GEICO offer add-ons for transport trailers, stored gear, and custom parts.
Whether you’re looking to insure your motorcycle or ATV, Emerlin Insurance Agency can help. We are a local insurance agency whose experts are members of the community themselves. Therefore, they fully understand all the needs and challenges riders face throughout the year. We’ll make sure you find a policy that gives you a good level of coverage for a premium you can afford.
Contact Emerlin Insurance Agency today to speak with a local agent regarding motorcycle and ATV insurance.
