Year-Round Riding Deserves Year-Round Protection
Florida riders are out twelve months a year, which means more exposure than riders almost anywhere else. The state's motorcycle rules also work differently than the auto rules most riders assume carry over. HBK Insurance Group writes coverage for cruisers, sport bikes, touring bikes, trikes and scooters, and makes sure medical coverage is not the gap left open.
What Motorcycle Insurance Covers
- ✓ Liability and guest passenger coverage
- ✓ Comprehensive and collision
- ✓ Uninsured and underinsured motorist
- ✓ Medical payments coverage
- ✓ Custom parts and accessories
- ✓ Safety course and multi-policy discounts
Medical Coverage Works Differently on Two Wheels
Florida's PIP requirements were built around cars, and riders should not assume the medical coverage on their auto policy follows them onto the bike. Medical payments coverage on the motorcycle policy is what closes that gap, and it is worth confirming rather than assuming.
Cover What You Added to the Bike
Exhaust, bags, chrome, paint, audio — accessories routinely add thousands to a bike's value and are typically capped at a low default limit unless you schedule them. If you have built the bike out, tell us what it took.
Common Questions
Does my auto insurance cover my motorcycle?
No. A motorcycle needs its own policy. We coordinate the two so limits line up.
Am I covered riding out of state?
Yes, coverage follows you, though the rules you ride under change at the state line. Tell us if you tour and we will make sure limits travel well.
Do safety courses reduce my premium?
With most carriers, yes. It is one of the more reliable discounts available to riders.
Get Your Motorcycle Insurance Quote
Start your quote below and a licensed HBK agent will review it and follow up. Prefer to talk it through? Call (772) 444-8182.
Serving the Treasure Coast
HBK Insurance Group is an independent agency in Stuart, Florida, serving Martin, St. Lucie and Palm Beach counties — Stuart, Palm City, Port Salerno, Jensen Beach, Hobe Sound, Sewall’s Point, Rio, Hutchinson Island, Port St. Lucie, Tradition, Fort Pierce, Jupiter, Tequesta and Palm Beach Gardens.