American Modern

American Modern

Motorcycle Insurance

American Modern® offers replacement cost coverage that does not expire, and includes $3,000 in accessory coverage.

When you add replacement cost coverage when the bike is new — or even up to two model years old — you can keep that level of protection for as long as you own the bike. That eliminates depreciation in the event of a claim. Most other insurance companies cancel replacement cost when the bike reaches its third year.

Key program benefits

  • Our program is particularly attractive for a Harley-Davidson, Yamaha or Honda.

  • Replacement cost coverage for bikes two model years and newer does not expire.

  • Street-driven units include $3,000 in accessory coverage. Off-road units include $1,000.

  • Other options include travel loss reimbursement, rental reimbursement, and transport trailer.

  • Multiple discounts for home ownership, safety course completion, insuring multiple units, transferring your policy to us, and claim-free renewal.


Home ownership – Up to 20% for home ownership

Claim-free renewal – 3% on first renewal and 5% each successive year

Transferring your policy to us – 10% if no lapse in coverage or 1% if less than a 30 day lapse

Insuring multiple units – 10% for insuring two bikes or 15% for three or more

The discounts offered in California vary.



  • Replacement cost – This is an option for a street-driven unit that is two model years or newer. Both comprehensive and collision coverage must be purchased. Mopeds, scooters, off-roads and customs are not eligible.
  • Actual cash value – In the event of a total loss or theft, we pay the actual cash value, which includes a deduction for depreciation. For a partial loss we pay the repair cost, minus depreciation for damaged parts. The policy deductible applies.

Accessories – When you purchase full coverage, equipment you add to the bike that did not come from the manufacturer (as identified by the VIN) is covered separately up to $3,000. You can buy up to $30,000 in coverage.

Safety apparel – Our full coverage policies provide $1,000 coverage on approved clothing and helmets if damaged in an accident ($400 limit per helmet). There is no deductible for the helmet.

Medical payments – Coverage starts at $1,000 and can be increased up to $25,000.


Optional Coverage

Rental reimbursement – Add coverage for expenses to rent a replacement motorcycle after a physical damage loss. Comprehensive coverage is required.

Trip loss reimbursement – We reimburse up to $300 for transportation, lodging and expenses if your bike becomes disabled more than 100 miles from home. We also include up to $300 for towing costs, regardless of how far you are from home.

Transport trailer – Add physical damage coverage for a trailer designed to transport your insured cycle. A $250 deductible applies.


Flexible payment options

Automate monthly installments with EZPay, or pay by check or credit card, either in full, two or four payments.

Ready to Request a Free Quote? GET STARTED TODAY