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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. 

Motorcycles With Riders: Are You Covered?

Many motorcycle owners love taking friends and family members out on their bikes for a ride. But will your insurance policy help cover you if they are hurt? If you aren’t sure what to expect from your San Antonio, TX bike policy, we at Shavano Insurance Agency LLC can help you learn more. Doing so will help to protect you if you end up in an accident and hurt those you love while riding.

Knowing Your Coverage Options

What is interesting about motorcycle insurance is that it slightly varies from auto policies in a few ways. For instance, there is a chance that your policy may not cover people who are riding with you. That all depends on various factors and influences. Most of these influences will include things set up by your insurance provider and the state and can be quite diverse and often include things like:

  • The state laws regarding insurance and what your area says about it 
  • Your insurance company’s policies and range of coverage 
  • Any complications with your specific policy situation 
  • Limitations on your policy based on various factors 

Thankfully, many people can purchase an option called “guest passenger liability insurance” for their bikes. This policy upgrade will cover you if people are injured on your bike while you ride. Some bike policies may have this liability option already. Others may need you to add it. So make sure that you talk to your provider to learn more about your options in this unique situation.

Getting Help Today

At Shavano Insurance Agency LLC, we serve San Antonio, TX, and the surrounding area and help you understand your motorcycle insurance options. So, please don’t hesitate to reach out to us if you’re confused and need help fully understanding your coverage choices in this complex situation.

Does Motorcycle Insurance Cover Theft?

Just because there has been no reported case of theft in your area doesn’t mean that your personal belongings are safe. Your motorcycle is susceptible to theft at any time. That’s why you need to take some measures to protect yourself against theft. 

But I have a motorcycle lock; that’s all I need, you might think. The fact is, no matter how secure you think your motorcycle is, you can still lose it to theft. And that makes it crucial to have insurance coverage that protects you against theft. If your motorcycle is stolen, at least you won’t have to incur out-of-pocket expenses to replace it. 

For motorists in San Antonio, TX, liability coverage is not enough. You need to make sure your investment is covered. That’s where you need to involve Shavano Insurance Agency LLC.

How Do You Protect Your Motorcycle with Insurance?

If you want to protect your motorcycle from theft, then acquire comprehensive coverage. Apart from theft, it will cover so many losses, excluding collisions with an object or vehicle. A comprehensive policy focuses on the damage done to your vehicle from vandalism, falling objects, and more.

Is It a Legal Requirement?

In Texas, motorists are only required to have liability coverage by law. So, comprehensive coverage is optional. However, you should have it if financial safety is something you take seriously. A motorcycle is not a cheap investment that you can replace out of pocket after losing one to theft. 

What to Do If Your Motorcycle Is Stolen

Before you become a victim of motorcycle theft, make sure you have the right coverage— and that’s comprehensive coverage. If your bike is stolen, do not panic and make sure to report to the police. Then, contact your insurance company. 

Recover from Theft with Motorcycle Insurance

If you live in San Antonio, TX, and you’ve yet to purchase comprehensive motorcycle coverage, then you’re putting your investment at risk. 

Contact Shavano Insurance Agency LLC and arrange for coverage that protects your motorcycle against theft and more.

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