Accessory Insurance?

[Jeriatric]

Checked with my agent and State Farm does not offer accessory insurance. Not good. Many of us have far to much invested to not have it. IMO. Been with State Farm for 50 years but if they won't take the risk, I'm not about to. I see from posts here that Progressive offers Acc. insurance. Does anyone know if they have a max dollar limit on accessories?

Looks like the Spyder is destined to be insured by someone other than SF.

 

[harrypottar]

I have progressive and $5000 accessory coverage, break down on cost just says included.

Not sure if you can increase above 5k, this includes trailer and anything else attached to the Spyder.

Not sure if they would class the Garmin 660 which came installed as part of the Limited, an accessory or part of the bike?

anyway very please with progressive.

harry

 

[JaymeG33]

We have American National Property & Casualty (ANPAC) and an excellent agent. He always makes sure we are completely covered, accessory insurance, gap insurance and all. Good luck switching, it's best you know those things now and not after something happens!

 

[ARtraveler]

Bob D. ??

I bet you have an answer.

 

[PeacefulBen]

I have progressive and $5000 accessory coverage, break down on cost just says included.

Not sure if you can increase above 5k, this includes trailer and anything else attached to the Spyder.

Not sure if they would class the Garmin 660 which came installed as part of the Limited, an accessory or part of the bike?

anyway very please with progressive.

harry

I also have insurance for the Spyder thru Progressive. But you can get more than 5k on accessories. I got 10k for $105 a year added to the base policy:clap:. I figured I had that much in the trailer and the chrome, lol. After this past year of mods, I think I need to see if I can bump it up. :roflblack:

 

[boborgera]

I have Foremost inc. 35 Hundred $ for accessories the with the policy.

 

[Bob Denman]

American Modern Home insurance issues the policies with $3000 worh of accessory coverage... You can bump it up to pretty much whatever amount that you need. :thumbup:
(Just raised mine to 5K...)

 

[gln2]

Allstate limit to $5000.00 accessories with no additional charge.

 

[spyder3]

I have Foremost inc. 35 Hundred $ for accessories the with the policy.

:agree: + 1 not sure if you can add on to that or not.(email sent)

 

[flamingobabe]

I have Foremost inc. 35 Hundred $ for accessories the with the policy.

I have the same but doubled the amount $7000. total

 

[stevedfive]

I just talked to my State Farm agent and he said my accessories are covered under the following circumstances. The accessories are permanently mounted or locked. For example: the CB radio, XM radio, ungraded wheels, and HMT brake light would be considered permantely mounted. He said the GPS would be covered if it was locked in the trunk or was locked in the cradle (touratech locking mount). I would also have to produce the original receipts and that's the amount they would pay, not today's replacement price. That I can live with.

 

[Jeriatric]

Thanks to all who responded :thumbup: Stevedfive, sounds like I need to dig a little deeper. Not to fault my agent but he's getting up there.....ya know, and he won't let go of the reins.

 

[spyder3]

My agent from foremost got back to me. They can go up to 15k on accessories.

 

[boborgera]

I have the same but doubled the amount $7000. total

:thumbup: The 35 is standard, n/c, I never put more than a couple hundred in accessories in any bike i've owned.
So 35 is over kill for me, On my Spyder i just added 18 dollar fog lights, 2 hundred dollar risers, And about 4 or 5 hundred dollars in Windshields, But reading some of the things over the years that some people added to their Spyders i can see why 35 is low.:shocked: