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Motorcycle insurance coverage to meet your needs

What’s your ride of choice—Harley-Davidson, Honda, Suzuki, Yamaha, BMW, Triumph, Indian, or something else? No matter the motorcycle manufacturer, you want the right insurance coverage for your needs. Dairyland motorcycle insurance can provide options, backed by our exceptional service and support.

We insure these types of motorcycles:

Standard, Cruiser, Touring, Sport Touring, Sport Bike, Trike, Dirt Bike, Dual purpose, Scooter/Moped and Autocycle.

That optional equipment you’ve added to your bike? We offer coverage for that. Want your motorcycle repaired with genuine, original replacement parts? Get our Physical Damage Plus coverage. Want help with medical expenses incurred in an accident? We do that, too.

Learn more about these and our other coverage options below. And feel free to shop around. We’re sure you'll find that we offer great value and flexible coverage!

Have questions about our coverages? Contact us or one of our helpful independent agents.

Coverages for you and your bike

Excursion Diversion

When you ride your bike more than 100 miles from your home, you may not be fully covered by your standard insurance policy. Excursion Diversion coverage applies if you have a motorcycle accident and you are far from home. This coverage may pay for eligible expenses such as food, lodging, lost deposits, transportation, and towing costs. There may also be additional coverage provided for damaged safety apparel.

Rental Reimbursement

If your bike is your only mode of transportation and goes to the shop for repairs, it would be very inconvenient. Rental Reimbursement coverage may pay for eligible transportation expenses in these cases.

Roadside Assistance

If your motorcycle has a mechanical or electrical breakdown, you may need help. Roadside Assistance coverage provides a toll-free, 24-hour towing and roadside service for situations such as:
  • Not enough fuel
  • Not enough oil
  • Not enough fluid
  • Not enough water
  • Battery failure
  • Lock-out (lost key)
  • Flat tire

Physical Damage Plus

You may have greater peace of mind when your bike is being repaired when you have Physical Damage Plus coverage. You'll be certain that only genuine original replacement parts from your bike's manufacturer are used, when available.

Uninsured Motorist Bodily Injury

Uninsured Motorist Bodily Injury coverage can help pay for bodily injury you suffer in an accident caused by the owner or operator of an uninsured motor vehicle.

Medical Expense

Riding a motorcycle can expose you to additional risks on the road. If you are in an accident, medical expense coverage can help both you and your passenger with medical expenses.


Comprehensive coverage can protect your motorcycle from costly damages due to accidents.


If your bike collides with an object or flips or tips over, your liability only insurance policy may not cover all expenses. Collision coverage can provide that extra coverage.

Optional/Special Equipment

Protect the time and money you put into your bike when you modify it. Optional/Special Equipment coverage can help protect your investment against damage to or loss of permanent equipment on your bike that is not considered factory standard. Your bike's manufacturer defines equipment as standard by the Vehicle Identification Number (VIN). Necessary coverage is determined by taking the difference between the values of the optional equipment and the equipment that it replaces.

Bodily Injury

When an accident you cause results in the injury or death of others, Bodily Injury coverage may help to protect you. This coverage can pay for expenses such as:
  • Lost wages
  • Pain
  • Medical expenses
  • Suffering
  • Death

Guest Passenger

May provide coverage for bodily injuries sustained by a passenger on your bike.

Property Damage

If you cause an accident that causes damage to another person's property, this coverage can help to protect you. It does not cover any damages to your property.

Personal Injury Protection

Provides coverage for medical expenses, up to a specified limit, for the insured or any other eligible person as the result of an accident, regardless of who was at fault in the accident. It usually provides coverage for non-medical expenses, such as wage loss and death benefits. Coverage availability is limited in some states.

Replacement Cost

If your bike is three years old or newer, Replacement Cost coverage will replace your bike, including optional equipment.

Uninsured Motorist Property Damage

This coverage provides protection to your insured motorcycle when it is damaged as a result of an accident where an uninsured driver is at fault.

Underinsured Motorist Bodily Injury

Provides coverage up to your policy limits for bodily injury expenses to you and a passenger in the event an at-fault driver carries insufficient insurance to cover your medical expenses.  

Underinsured Motorist Property Damage

Provides coverage up to your policy limits for damage to your motorcycle over and above the limit of the at-fault driver who does not carry enough insurance to cover the damage.