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Protection for the Open Road

When the weather breaks on Long Island, make sure you're ready to ride.

From cruising Ocean Parkway to touring the vineyards on the North Fork, Long Island offers some of the best riding in the Northeast—but only for a few months of the year. You need a policy that understands the seasonal nature of riding in New York.

At Sean Worth Allstate, we protect more than just your bike. We protect your passion. Whether you ride a Harley-Davidson, a sportbike, or a touring cruiser, we build policies that cover you, your gear, and your passenger.

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Customized Coverage for Every Stage of Life

We specialize in:

Standard Homeowners (HO-3): Comprehensive protection for single-family homes against fire, theft, and vandalism.
High-Value & Luxury Homes: Specialized packages for homes exceeding standard rebuild limits, including coverage for custom craftsmanship and architectural details.
Coastal Property Solutions: Expert navigation of hurricane deductibles and flood insurance requirements for homes in Port Jefferson, Setauket, and Nissequogue.
Secondary & Vacation Homes: protecting your getaway property on the East End or upstate.

Specialized Coverage for New York Riders

A standard auto policy doesn't translate to two wheels. Motorcycle insurance requires specific coverages to keep you legal and safe:

Guest Passenger Liability

In some states, this is automatic. In New York, it must be specifically selected. We ensure you have liability protection for anyone riding on the back of your bike.

Custom Parts & Equipment (CPE)

Did you add custom chrome, saddlebags, or an aftermarket exhaust? Standard policies often only cover the "stock" bike. We add coverage to protect your upgrades.

Safety Apparel Coverage

Helmets, leathers, and riding boots are expensive. If you go down, this coverage helps replace your protective gear.

Trip Interruption

If you're on a road trip and your bike breaks down more than 100 miles from home, this helps cover lodging and transportation costs.

The "Winter Lay-Up" Advantage

We know you aren't riding in February.

Seasonal Pricing: Our motorcycle policies are priced to reflect the New York riding season. You maintain comprehensive coverage year-round (protecting against theft or garage fires in the winter) without paying "peak season" rates during snowstorms.

Common Questions About NY Boat Insurance

Do I need insurance to register my motorcycle in NY?

Yes. You must have valid liability insurance on file with the NY DMV to register your bike. A lapse in coverage can lead to immediate suspension of your registration and license.

Does my motorcycle insurance cover track days?

Generally, standard motorcycle insurance covers you for road use only. Timed events, racing, or track days are typically excluded. If you ride on the track, let's discuss specialized options.