Protection for your bike, your passengers, and your adventures—designed for riders across Lancaster, New Holland, York, Harrisburg, and beyond.
Motorcycle insurance does more than just meet state requirements—it helps protect you, your passengers, and your bike when something goes wrong. From weekend rides and daily commutes to long-distance trips, the right coverage can help with injuries, damage to your motorcycle, and liability if you’re responsible for a crash. Community Insurance works with riders throughout Lancaster County and across Pennsylvania to build motorcycle insurance that fits real riding habits, not just the bare minimum. We’ll help you understand your options, compare carriers, and choose coverage that reflects your bike, your gear, your riding style, and your budget.
Collision Coverage
Collision coverage helps pay to repair or replace your motorcycle if it’s damaged in a covered collision with another vehicle or object, regardless of who is at fault. This coverage is especially important for newer bikes or bikes that would be costly to repair or replace out of pocket.
Bodily Injury & Property Damage Liability
Liability coverage helps protect you if you’re responsible for an accident that injures someone else or damages their vehicle or property. It can help pay medical bills, repairs, and legal costs up to your policy limits—important protection for any rider who shares the road with others.
Comprehensive Coverage (Other Than Collision)
Comprehensive coverage helps protect your bike against non-collision losses such as theft, vandalism, fire, falling objects, and certain weather-related damage. It can also address damage from things like hitting an animal, depending on your policy. This is a key way to protect your motorcycle even when it’s parked.
Uninsured & Underinsured Motorist Coverage
If you’re hit by a driver who has no insurance or not enough insurance, uninsured/underinsured motorist coverage can help with medical expenses and, depending on the policy, damage to your motorcycle. This can be especially important for riders, who are more exposed and vulnerable in any collision.
Medical Payments / Personal Injury Protection (PIP)
Depending on your policy and state options, medical payments or personal injury protection can help pay for medical expenses for you and sometimes your passenger after a covered accident, regardless of fault. This can provide crucial support on top of any health insurance you have.
Optional Coverages & Add-Ons
Many motorcycle policies offer options such as coverage for custom parts and equipment, riding gear and accessories, roadside assistance, and trip interruption. We’ll help you decide which add-ons make sense based on how your bike is set up, what you carry, and how far you typically ride.
Who Typically Needs Motorcycle Coverage
If you own and ride a motorcycle—whether it’s a cruiser, sport bike, touring bike, or something in between—motorcycle insurance is essential. Most riders in Pennsylvania are required to carry liability coverage, but it’s important to think beyond minimum limits. If you enjoy weekend rides, commute on two wheels, or take longer trips, the right coverage can make a big difference after an accident or theft.
Common Riders Who Rely on Motorcycle Insurance:
- Commuters who ride to work or school
- Weekend riders enjoying back roads around Lancaster, New Holland, York, and Harrisburg
- Touring riders who take longer trips across Pennsylvania or out of state
- Owners of cruisers, sport bikes, touring bikes, and trikes
- Riders with financed or higher-value motorcycles
- Motorcyclists who want coverage for custom parts, accessories, and gear
- Households looking to bundle motorcycle coverage with auto or home insurance
Every rider and every motorcycle is different—engine size, style, usage, and experience all matter. We’ll help you understand how those factors affect your coverage and pricing so you’re not left guessing about your protection.
Our Process for Designing Motorcycle Insurance
Instead of treating motorcycle insurance like a simple add-on, we take time to understand your bike, your riding habits, and your comfort level with risk. Then we work with carriers that understand motorcycles to build a policy that makes sense for how and where you ride.
Learn About Your Bike & Riding Style
We start with a conversation about the make and model of your motorcycle, how often you ride, where you ride, and whether you ride solo or with passengers.
Review Current Coverage (If Any)
We look at any existing motorcycle policy, paying attention to liability limits, physical damage coverage, deductibles, and any special coverage for custom parts or gear.
Compare Multiple Motorcycle Carriers
As an independent agency, we shop several companies that write motorcycle insurance to compare pricing, coverage options, discounts, and claims reputation.
Fine-Tune Limits, Deductibles & Add-Ons
We walk through your options in plain language, adjusting liability limits, comprehensive and collision deductibles, and optional coverages so your policy lines up with your priorities and budget.
Implement & Support
Once your policy is in place, we’re here for ID cards, seasonal changes, adding or swapping bikes, and claims support whenever something happens on or off the road.
How Motorcycle Coverage Fits with Auto, Home, and Umbrella
Motorcycle insurance is part of your overall personal protection plan. While it’s separate from your auto policy, many carriers offer multi-policy discounts when you insure your motorcycle along with your cars, home, or renters policy. If you have significant assets or simply want higher protection, a personal umbrella policy can sometimes add extra liability coverage over both auto and motorcycle policies, depending on how they’re structured. We’ll help you see how your motorcycle coverage connects to the rest of your insurance and when it may be time to adjust limits or add an umbrella for additional peace of mind.
Motorcycle Insurance - Commonly Asked Questions
Frequently Asked Questions
Do I really need separate motorcycle insurance if I already have auto insurance?
Yes. Motorcycles are not covered under a standard auto policy—they require their own specific coverage. Motorcycle insurance is designed around two-wheel risks, including different safety equipment, riding conditions, and claims patterns. We’ll help you build a separate policy that coordinates with your auto insurance but addresses the unique needs of riding.
How much liability coverage should I carry on my motorcycle?
Appropriate liability limits depend on your assets, income, and risk tolerance, but minimum state limits are rarely enough in a serious accident. Many riders choose higher limits to better protect themselves if they’re found responsible for injuries or property damage. We’ll talk through your situation and recommend a limit that feels realistic and responsible.
Do I need comprehensive and collision coverage on my bike?
If your motorcycle is newer, financed, or would be expensive to repair or replace, comprehensive and collision coverage can be very important. For older bikes with lower value, you might choose liability-only or adjust deductibles. We’ll help you weigh the cost of coverage against what you could afford to pay out of pocket after a loss.
Will my policy cover custom parts and accessories?
Many motorcycle policies include a basic amount of coverage for custom parts and equipment, but riders with upgraded exhaust systems, custom paint, aftermarket seats, bags, or other accessories often need higher limits. We’ll review what’s on your bike and make sure your policy reflects those investments.
Are there discounts available for motorcycle insurance?
Often, yes. Depending on the carrier, discounts may be available for things like completing an approved safety course, insuring multiple motorcycles, bundling with auto or home, maintaining a good driving record, or storing your bike in a garage. We’ll look for all available credits so you can get strong coverage at a competitive price.
Ready to Ride with More Confidence?
Whether you’re exploring back roads around Lancaster, heading out from New Holland on a weekend trip, or commuting on two wheels anywhere in Pennsylvania, the right motorcycle insurance can help you enjoy the ride with fewer worries. Community Insurance is here to help riders in Lancaster, New Holland, York, Harrisburg, and beyond build motorcycle coverage that fits their bikes, their budgets, and their adventures.