Motorcycle gear and accessory coverage

Your helmet, jacket and custom parts are not automatically covered by a standard policy. Here is how to protect them.

By the InsuranU team Updated July 20263 min read

Riding gear and custom accessories often sit outside standard motorcycle coverage unless U specifically add protection for them.

What is usually not covered by default

Many insurers offer a gear and accessory endorsement with its own coverage limit, separate from the bike itself.

Photos and receipts for gear and custom parts make a claim faster and more accurate if U ever need to file one.

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More from the motorcycle insurance checklist.

What each part of a policy actually protects.

Optional coverages worth considering.

See the real ranges, with a live estimator.

Is gear coverage expensive to add?

It is usually a modest addition relative to the protection it adds.

Does homeowners or renters insurance cover my gear instead?

Sometimes partially, but a dedicated motorcycle endorsement is usually more reliable.

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