I only have liability insurance on my two old bikes, my 2002 F150, and my 2005 Dodge Magnum. So, if I wrecked them, I would be out the value of the vehicle. My wife's 2013 Infiniti has full coverage. I even dropped the wind and hail coverage on my house. It's fairly expensive because everybody east of I95 pays the same rate and I got tired of subsidizing the beach houses. I'll be okay as long as one of my pine trees doesn't fall on the house or gets hit by a tornado. Mulitple hurricanes have been direct hits on my home and so far, I haven't had any wind damage. (Knock on Wood!)