Wonder if LM consciously put a Guzzi bike on the center of their pic/ad. Bet they didn't. But like an ad responder said, if you have your bike, house, car, etc. on the same insurance. Co. and have a claim on any of them, your policy costs are going to go up. Sure, you can save some $ beforehand, but.......... Also if you bundle, you are not looking @ comparable ins. prices if you don't bundle. I personally have my bikes, cars, home insur., all on different Co. policies. Didn't used to do that, but as I age and learn............