Motorcycle Coverage for Zion-to-Bryce Riders

Some of the best riding in the West runs right through our backyard. Highway 9 through Zion, the Kolob Terrace loop, Highway 89 up to Bryce, the Cedar Breaks switchbacks, and the Hurricane-to-Mesquite River Road — Southern Utah is a motorcycle destination, and that means a lot of riders we insure aren't local. Whether you ride year-round out of St. George or you trailer up from Phoenix every spring, the coverage gaps are the same.

Liability limits — same conversation as auto, only worse

Utah's 30/65/25 minimums are even more inadequate on a motorcycle than in a car, because rider injuries tend to be more severe. We strongly recommend at least 100/300/100 on any street bike, with uninsured/underinsured motorist matched to the same limit. A car turning left in front of you on Bluff Street can cost you six figures in medical bills before you finish physical therapy.

Medical payments coverage is not optional in our book

Health insurance covers a lot, but it doesn't cover deductibles, copays, lost work, or out-of-network ambulance flights. MedPay sits on top of your health insurance and pays for any rider or passenger injuries regardless of fault. $5,000–$25,000 of MedPay is cheap and we add it by default on every motorcycle quote.

Custom parts, equipment, and gear

Standard motorcycle policies include a small allowance for "custom parts and equipment" — typically $1,000–$3,000. If you've added a slip-on exhaust, aftermarket wheels, luggage system, GPS, heated grips, an upgraded seat, or a windshield, you're often well past that. Schedule the upgrades with an explicit value so a comprehensive claim actually rebuilds the bike.

Personal gear — helmet, jacket, boots, comm system — is usually not covered under your motorcycle policy. A separate personal effects or rider apparel endorsement runs a few dollars a month and covers gear damaged in a crash.

Lay-up storage

If you ride seasonally and your bike sits from late November through February, ask about a lay-up provision. Several of our carriers will drop the liability portion (but keep comprehensive for theft and damage) during stored months, saving meaningful premium.

Trailering and out-of-state coverage

If you trailer your bike to Sturgis, Moab, or just down to Mesquite, your motorcycle policy typically follows it. The trailer itself, though, is usually a separate item — covered either under your auto policy's towed-trailer provision or scheduled on a small inland marine policy. We confirm this every time.

Group rides and passenger liability

If you regularly carry a passenger, make sure your policy includes guest passenger liability at the same limits as bodily injury. Some bare-bones policies exclude passengers entirely — a brutal surprise after the fact.

Whether you're commuting a Harley out of Washington or trailering a sport-tourer in from out of state to ride Zion, request a motorcycle review. We'll structure the policy the way we'd want our own bikes covered.