Just found out that they do not cover gear, except for your helmet.
I had a co-worker who was involved in a crash and he was insured with State Farm. Historically, I have stuck with State Farm for decades because every crash thread I have read, everyone got paid quickly including their mods, with very little hassle and no receipts. If you have Comprehensive and Collision, anything attached to the bike is covered. Saddle bags, pipes, custom seat, windscreen, etc. But not your gear. With my FZ6 being an '06 with 93k miles, my gear is now worth more than my bike. I must now re-evaluate whether I should switch to an insurance company that covers gear as long as my FZ is my primary bike.
On a promising note, I did ask for them to quote me what it would cost to insure my new motorcycle that I am planning to get next year, a 2013 or 2014 Ducati Multistrada. Full coverage, $262 a year!
I had a co-worker who was involved in a crash and he was insured with State Farm. Historically, I have stuck with State Farm for decades because every crash thread I have read, everyone got paid quickly including their mods, with very little hassle and no receipts. If you have Comprehensive and Collision, anything attached to the bike is covered. Saddle bags, pipes, custom seat, windscreen, etc. But not your gear. With my FZ6 being an '06 with 93k miles, my gear is now worth more than my bike. I must now re-evaluate whether I should switch to an insurance company that covers gear as long as my FZ is my primary bike.
On a promising note, I did ask for them to quote me what it would cost to insure my new motorcycle that I am planning to get next year, a 2013 or 2014 Ducati Multistrada. Full coverage, $262 a year!