My good buddy is the insurance man and while I have learned a great many thing from him. They can go long with the insurance talk, just listening to him can be like listening to paint drying.
I have saved a few of my buddies from making those insurance mistakes that so many make and then they are afraid to admit to. If you only listen to one word. On any policy if you see the word LIMITED this is where your insurance has put a way out for the company. That word means just what you think it means Limited on what they will pay.

If most of you guys are like me we loves these bikes and all the mods we have done. If that time ever comes when you need that insurance you have paid for, for years you want them to cover it not Limited cover it. Just a warning from a guy that has had to listen to enough insurance geek speek to last a long long time.