H-D® Insurance offers 12 coverage types: bodily injury liability, collision, comprehensive, bike replacement cost, guest passenger liability, medical expense, optional equipment coverage, optional equipment replacement cost, roadside assistance, uninsured motorist bodily injury, underinsured motorist bodily injury, and vacation rental coverage. You can build a policy that covers exactly what you need.

No. Harley-Davidson® Insurance covers a variety of motorcycle types — not exclusively H-D® models. That said, one of its standout benefits for Harley owners is that all covered repairs use H-D® Genuine Parts and Accessories, preserving your bike's performance and value.

There are 10 available discounts: anti-theft device, bundled protection, claim-free renewal, experienced rider, H-D® Riding Academy completion, H.O.G.® membership, home ownership, military and law enforcement, new bike, and prompt payer. Not all discounts are available in every state, and multiple discounts can often be combined.

Your premium depends on your motorcycle model, riding history, coverage selections, and location in Texas. H-D® Insurance is designed to be competitive, and with up to 10 discounts available, many riders are surprised by how affordable their rate comes out. The fastest way to find out is to get a free quote — it only takes a few minutes online or over the phone at (936) 715-0100.

Yes — this is one of the most important differences between H-D® Insurance and generic motorcycle insurance. Covered repairs replace H-D® Genuine Parts and Accessories with authentic H-D® Genuine Parts, not aftermarket alternatives. This protects your bike's performance, resale value, and any existing warranty coverage.

Yes. Roadside assistance is an available coverage option. If your motorcycle breaks down or leaves you stranded on the road — dead battery, flat tire, empty tank, or mechanical failure — roadside assistance connects you with help and coordinates towing if needed.

Optional equipment coverage protects the aftermarket and custom parts you've added to your motorcycle beyond the stock configuration — things like custom exhaust, upgraded lighting, chrome accessories, aftermarket seats, or saddlebags. Standard H-D® policies include $1,000 of this coverage, which can be increased based on the value of your additions. If you've invested significantly in customizing your bike, this coverage is worth having.

Click the Get a Free Quote button on this page to go directly to our dealer quote portal, call us at (936) 715-0100, or stop by the dealership at 2518 NW Stallings Dr, Nacogdoches, TX 75964. Our team can connect you with a licensed H-D® Insurance agent who will walk you through your options.