How many other places in the world can you have beautiful weather to ride your bike in every day of the year. Southwest Florida offers some of the most beautiful weather and best roads to explore. Crossing some of the beautiful water ways from Cape Coral to Fort Myers, driving over the Sanibel Causeway or cruising down the beach of Fort Myers are just a few things you can explore. The Culbertson Agency offers motorcycle insurance that protects you and your bike so you can enjoy that beauty free of distractions. Making sure you are protected is just as important as insuring your bike. There’s no way around it, anytime you are on the road there is a chance you may be injured or may injure someone else. We offer a variety of coverage options to give you the peace of mind you need.

Coverage Options

Medical Payments

Typically medical payments covers reasonable and needed medical expenses resulting from injury to you or your passengers.

Personal Injury Protection

Expenses can add up quick if you are injured in an accident. Personal Injury Protection can help with reimbursements with lost income, child care, funeral expenses, services you typically do yourself, and hospital and medical expenses. No matter who was at fault, you are typically covered.


This covers damage to your motorcycle caused from a collision with an object such as another motorcyle, car, tree or building.


Sometimes your bike can be damaged even when it isn’t moving.  Comprehensive Coverage takes care of your motorcycle if it’s damaged by wind, vandalism, theft, wind or flooding.

Uninsured or Underinsured Motorist Bodily Injury

This type of coverage kicks in when you or your passenger on your motorcyle is injured because of an uninsured or underinsured drive.

Property Damage Liability

This typically covers damages that result from damage to someone else’s property when you are at fault. Examples of things you could be responsible for are residences, vehicles and other structures.

Bodily Injury Liability

If it is determined you are a fault, it could be your responsibilty to cover the medical expenses of the other drive and your passengers. This type of coverage insures you in those situations.

Every rider is different and your bike is a reflection of what’s important to you. Insurance coverage with the Culbertson Agency is never cookie cutter. The insurance we provide you is always made to fit your needs. Some of the features of our policies include:

Optional or Added Equipment

Chances are you spent a good amount getting your bike fitted perfectly just for you. Will you get reimbursed for those after-market upgrades if your bike is vandalized or stolen? The Culbertson Agency offers standard with $1000 of coverage for those things and you can buy up to $30,000 more if you should need it.

Towing and Labor

Depending on the type of bike you have, this feature typically covers you for the costs associated with towing and the related labor.

Rental Reimbursement

This type of coverage is typically only available after you've made a claim for collision or comprehensive coverage.

Loan/Lease Gap Coverage

If you have Comprehensive and Collision Coverages on the same policy, and you opt for this coverage. Usually the difference between your bike and the balance of your loan or lease will be paid.

Discounts Available

At the Culbertson Agency, saving you money is just as important to us as it is to you. There are a variety of discounts that we can explore to help you out.

  • Homeownership Discount
  • Good Rider Discount
  • No accidents in prior 60 months
  • No more than one minor violation in prior 60 months
  • Motorcycle Organization Discount
  • Accepted associations
  • American Motorcycle Assn
  • Gold Wing Road Riders Assn
  • Harley Owners Group
  • Honda Riders Club of America
  • BMW Motorcycle Owners of America
  • Gold Wing Touring Assn
  • Motorcycle Safety Foundation
  • Venture Touring Society
  • Transfer Discount
  • Multi-Policy Discount
  • Easy Pay Plan Discount
  • Safety Course Discount
  • Multiple Motorcycle Discount
  • 2 motorcycles = 10% discount, 3 = 25%, 4+ = 35%
  • Full Pay Discount
  • Early Signing Discount
  • Recovery Device Discount
  • Passive Restraint Discount
  • Anti-lock Brake Discount

Our Fort Myers Insurance Agency takes great pride in knowing you are properly insured while on the road with your motorcycle. With a motorcycle policy we offer

  1. Outstanding customer service
  2. Affordable premiums and flexible payment plans.
  3. Secure online payment and account management.
  4. 24-hour access to our licensed insurance professionals

Available Cycle Types Eligible for Motorcycle Insurance

  • Standard – all CC ranges, upright rider position
  • Cruiser – usually includes a V-twin, full view engine, greater than or equal to 750 cc’s
  • Touring Sport – combines sporty aerodynamic styling with long distance touring features
  • Harley1 All FX Models
  • Harley 3 All XL
  • Harley 4 VROD
  • Harley 2 All FL Models
  • High Performance 750 cc’s or less
  • Touring – uses large fairings, luggage compartments, radio systems
  • Trike – any motorcycle that has had the rear tire replaced by a conversion kit
  • Street Sport 1aggressive riding position, open engine, 750 CC’s or less
  • Street Sport 2 – more than 750 CC’s
  • Limited Custom Cruiser generally a chopper type cycle
  • Moped/Motorscooter 1 600 cc’s or less
  • Moped/Motorscooter 2 carries two people and has greater than 600 cc’s
  • Dirt bike 600 cc’s or less
  • Dual Sport combination touring and dirt bike
  • Vintage over 25 years old

Our coverage doesn't end with Motorcycles.  The Culbertson Agency also insures boats, RVs, ATVs, scooters and more. So whatever you like to ride, we've got you covered.