USAA is committed to providing its members with comprehensive insurance solutions, and that includes motorcycle coverage. While USAA regularly seeks the best ways to deliver optimal products and pricing, they often partner with specialized insurers. This is why motorcycle insurance for USAA members is primarily offered through the USAA General Agency. This agency collaborates with top-tier insurers who possess expertise in motorcycle coverage and pricing.
The USAA General Agency performs extensive due diligence when selecting motorcycle insurance providers. They carefully evaluate factors such as financial stability, claims processing efficiency, competitive pricing, service quality, and alignment with USAA’s member-focused culture. Furthermore, the USAA General Agency continuously monitors service standards to ensure they consistently meet USAA’s high expectations.
It’s important to note that while the USAA General Agency manages motorcycle insurance in most locations, USAA does directly underwrite motorcycle policies in Massachusetts, Michigan, and New Hampshire. Additionally, specific regulations apply in other states and countries:
- California: USAA directly insures riders who have held a motorcycle license or endorsement for at least three years prior to seeking insurance.
- North Carolina: USAA provides liability coverage directly. Physical damage coverage is available only if the member already has a motorcycle on their existing USAA policy with physical damage protection.
- International: Motorcycle insurance is underwritten by USAA companies within each specific country of operation.
For members in all other states, when adding or replacing a motorcycle, you will be referred to the USAA General Agency to secure your coverage.
Beyond motorcycle insurance, the USAA General Agency offers a wide array of specialized insurance products to cater to diverse member needs. These include:
- Aviation Insurance
- Boat and Jet Ski Insurance
- Surety Bonds
- Business and Commercial Auto Insurance
- Business Owners Insurance
- Collector Vehicle Insurance
- Construction and Renovation Insurance
- Earthquake Insurance (in WA and OR)
- Excess Umbrella Insurance
- Dwelling Fire Insurance
- Flood and Excess Flood Insurance
- High Value Home Insurance
- Homeowners Insurance (for those declined by USAA directly)
- Homeowners and Renters Insurance
- Mexico Tourist Auto Insurance
- Mobile Home Insurance
- Motorhome Insurance
- Personal Auto Insurance (for those declined by USAA directly)
- Umbrella and Excess Umbrella Insurance (for those declined by USAA directly)
- Windstorm Insurance (through select state wind pools)
In conclusion, USAA remains dedicated to serving its members’ motorcycle insurance needs. By partnering with specialist insurers through the USAA General Agency, and directly underwriting in specific locations, USAA ensures members have access to robust and competitively priced Usaa Bike Insurance options, alongside a broad spectrum of other specialty insurance solutions.
