Pronto Insurance Agency

Will the Best Motorcycle Insurance in Florida Protect My Bike From a Hurricane?

For Floridians, the end of summer and beginning of fall doesn't mean cooler weather and falling leaves. It means Hurricane Season! Hurricane Season is from June to December, but most hurricanes come at the peak of the season which occurs from mid-August to late October. Did you know that Florida has also been hit by more than twice as many hurricanes as the next closest hurricane-prone state? Of the 292 hurricanes that have hit the U.S. since 1851, 120 have made some sort of landfall in Florida.

 
It should come as no surprise that Florida has been hit by the most number of hurricanes since direct hits on land were first recorded in 1851 with the Saffir/Simpson scale. This is partly due to the Gulf of Mexico, which is known for its warm and shallow waters. It's also due to the fact that nearly the entire state is sticking out into the water! If a hurricane forms in the southern Atlantic Ocean or Gulf of Mexico, it has to come right past Florida.

 
What this means for you as a Florida motorcycle rider is that you need to take the threat of a hurricane very seriously. You know you need homeowner's insurance to protect your home and your possessions inside from a storm like this, but what about your bike? Does the best motorcycle insurance in Florida protect your bike from a hurricane the way your homeowner's policy protects your home?

 
Does the best cover your bike? Yes! Does just any insurance cover your bike? No! That's why it is so important to get the right coverage, not just the cheapest. When shopping for a motorcycle insurance quote in Florida, be sure that Collision and Comprehensive Coverages are included. These are needed as a part of your policy if you want your carrier to pay for the repair or total loss of your motorcycle after a severe weather event like a hurricane.

 
Collision covers your motorcycle if it is in a crash with a car or object. As an example, let's say before the bad part of the storm hits you are driving to the store to stock your hurricane kit supplies and the rain causes you to hydroplane and lay your bike down at an intersection. Then someone runs over it, but thankfully not you! You would make a Collision claim in this instance. The majority of damage to vehicles from hurricanes is from winds and water. In that case, you would need your car to be covered under Comprehensive Coverage. Comprehensive covers your motorcycle for damages due to flood waters, hail, wind, a falling tree branch, a flying patio table, and other natural occurrences.

 
Will you be ready this year when the next hurricane hits your area? If you have the right motorcycle insurance, the answer will be yes! This means coverage that is both affordable and protects you in your time of need.


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