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Shavano Insurance Agency, LLC

4429 De Zavala Rd
San Antonio, TX 78249

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Shavano Insurance Agency, LLC Blog

What Are the Three Tiers of Motorcycle Insurance?

When you need motorcycle insurance, you’ll want to know what’s involved first. There are three basic levels from which you can choose. If you’re in the San Antonio, TX area, an agent from the Shavano Insurance Agency LLC can assist you with finding the right coverage for your needs. 


This is considered to be the simplest policy. The law requires you to have this as a minimum level of insurance. It covers injury, death, and loss or damage to your motorcycle by a third party. You will not have to pay for repairs as long as you have insurance. 

Third-Party with Fire & Theft 

This policy adds onto the third-party one, yet it also provides you with coverage for your motorcycle if it becomes damaged by fire or if you lose it due to theft. It’s ideal if you have to park the motorcycle somewhere that’s at high risk of being stolen. There’s always somewhat of a risk of your motorcycle catching fire, as well. Be prepared for these situations with adequate coverage. 


Considered to be the most comprehensive you can get for your motorcycle, just like its name, you’ll have the highest level of coverage with this one. It includes what’s offered at the above two levels, yet you’ll also have coverage for damage, loss, and injury that arise from vandalism, natural disaster, and other insured perils. You’ll need to talk over the specifics with your agent to know for sure what they offer under this policy. 

Insurance doesn’t have to be a difficult matter. You can find just the right coverage for your situation by discussing your needs with a Shavano Insurance Agency LLC agent. We’ve served the San Antonio, TX region for years and would love to help you. 

Why Work With Us?

  • Locally owned and operated
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  • Combines policies for best rates
  • Customer friendly services
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