Powersports – The James Agency

Personal Insurance

Motorcycle & Powersports Insurance for the Way You Ride

Whether you’re cruising Highway 49 or tearing up the back trails, we help you find coverage that protects your ride, your gear, and you.

The Problem With Generic Powersports Coverage

You didn’t buy a motorcycle or ATV to sit in the garage. You bought it to ride. But finding the right insurance for it can be frustrating.

Some carriers treat powersports like an afterthought—tacking on basic coverage without understanding how you actually use your bike or ATV. Others offer cheap policies that leave you exposed when something goes wrong.

And the risks are real. Motorcycles and ATVs don’t have the same protections as a car. An accident can mean serious injuries, expensive repairs, or a totaled ride. Without the right coverage, you’re paying for all of that out of pocket.

Then there’s the stuff most people forget about. Your helmet. Your riding gear. Custom parts and accessories. A basic policy might not cover any of it.

You shouldn’t have to choose between riding what you love and being properly protected.

Our Approach to Powersports Insurance

At The James Agency, we understand that powersports aren’t just vehicles—they’re how you spend your weekends, your vacations, your time with family and friends.

We start by understanding how you ride. Do you commute on your motorcycle? Trailer your ATV to hunting land? Take your side-by-side out on weekends? The way you use your machine affects what coverage you need.

Then we build a policy around your actual situation. Liability, collision, comprehensive, medical payments, uninsured motorist coverage—we explain what each one does and help you decide what makes sense.

We also make sure your extras are covered. Custom parts, accessories, safety gear, trailers—we’ll show you options to protect the investments that don’t come standard.

Because we work with multiple carriers, we can shop for competitive rates on motorcycles, ATVs, UTVs, dirt bikes, and more. You’re not stuck with one company’s pricing or coverage options.

And when you need us, we’re here. Questions about your policy, adding a new machine, or filing a claim—you call us directly.

HOW IT WORKS

Tell us about your machines

Give us a call or fill out our quick form. We’ll ask about your motorcycle, ATV, UTV, or other powersports vehicles—what you ride, how you use it, and where.

We understand how you ride

Do you ride on the road, off-road, or both? Do you trailer to trails or ride from your property? We’ll tailor your coverage to match how you actually use your machines.

We shop multiple carriers

We compare options across our carriers to find the right coverage at a competitive price. Different carriers specialize in different types of powersports—we know who to call.

We cover the extras

Custom exhaust, upgraded suspension, expensive helmet, riding boots—we’ll make sure your accessories and gear are protected, not just the stock machine.

We're here when you need us

Adding a new bike? Heading out on a long trip? Filing a claim after an accident? You call us directly. Same team. Same number.

What You Get With Us

Coverage built for how you actually ride

Whether you're on pavement or trails, commuting or recreating, we build a policy that matches your reality—not a one-size-fits-all approach.

Protection for your whole investment

Custom parts, accessories, helmets, riding gear, trailers—we help you cover everything, not just the base machine that rolled off the showroom floor.

Liability coverage that protects your assets

If you cause an accident and someone else is injured, liability coverage helps protect your savings and your future. We'll help you choose appropriate limits.

Medical payments for you and your passengers

Motorcycle and ATV accidents can mean serious injuries. Medical payments coverage helps with hospital bills regardless of who's at fault.

Uninsured motorist protection

Not everyone on the road carries adequate insurance. If you're hit by an uninsured or underinsured driver, this coverage helps protect you.

Rates from multiple carriers

We shop your coverage across carriers who specialize in powersports. That means competitive rates and coverage options designed for riders, not drivers.

What Our Clients Say

“Been with these guys for a few years! Make sure you contact Brandon Hodges. He has worked with me on houses in SC and MS, renters insurance, homeowners insurance, vacant property insurance, auto insurance, insurance on homes I have flipped…”

“I have been with the James Agency for almost 30 years and the customer service is better than it has ever been. Kandie Boutwell routinely goes above and beyond to help me with different needs and issues.”

“Patrick and his dedicated team work to get you the right coverage for all your needs.”

Common Concerns

I only ride a few months out of the year

That's common in Mississippi. Some policies offer lay-up periods or seasonal discounts when your bike is stored. We'll show you options that make sense for how often you actually ride.

My motorcycle is old—is it worth insuring?

Even older bikes need liability coverage if you're riding on public roads. And if your bike has value to you—whether sentimental or actual—comprehensive and collision coverage might still make sense. We'll help you decide.

I just ride on my own property

You might not need liability coverage for road use, but you'll still want protection if the machine is stolen, damaged, or if someone gets hurt. We'll build a policy that fits how you use it.

Can't I just add it to my auto policy?

Sometimes, but not always—and it's not always the best option. Powersports-specific policies often offer better coverage and rates. We'll compare both approaches and show you the difference.

I have custom parts and accessories

Standard policies often have limits on aftermarket parts. We'll make sure your custom work is covered—exhaust systems, suspension upgrades, wheels, whatever you've added.

Powersports Insurance Questions

What types of vehicles can you insure?

Motorcycles, ATVs, UTVs, side-by-sides, dirt bikes, sport bikes, cruisers, touring bikes, and more. If it’s a powersports vehicle, we can likely find coverage for it.

Does motorcycle insurance cover my passenger?

It depends on your policy. Liability coverage protects you if your passenger is injured and you’re at fault. Medical payments coverage can help with their medical bills regardless of fault. We’ll explain your options.

Are my custom parts covered?

They can be, but you may need to add coverage specifically for aftermarket parts and accessories. Standard policies often have limits. We’ll make sure your modifications are properly covered.

Do I need insurance to ride off-road on private property?

It’s not legally required, but it’s still smart. Theft, fire, vandalism, and accidents can happen anywhere. We can set up coverage that protects your machine even when you’re not on public roads.

What if I trailer my ATV to different locations?

Your coverage typically follows your machine wherever you take it. We can also help you insure your trailer if needed. Just let us know how you transport your equipment.

Is there a discount if I take a safety course?

Many carriers offer discounts for completing motorcycle safety courses. We’ll let you know what discounts are available and help you take advantage of them.

What happens if my bike is totaled?

Your policy pays out based on the actual cash value or agreed value, depending on your coverage. If you’ve added coverage for custom parts, those are included. We’ll explain exactly how your policy handles a total loss.

Get Your Free Powersports Quote

Coverage that matches how you actually ride.

Give us a call and we’ll help you find the right protection for your motorcycle, ATV, UTV, or whatever you ride. We’ll cover your machine, your gear, your custom parts, and you—at a price that makes sense.

No pressure. No obligation. Just straight answers from a team that’s been protecting Mississippi riders since 1982.