Just from experience state farm DOESN'T COVER THE RIDER only bike
I'm paying top dollar with dairyland BUT i have replacement coverage 250 and 500 coverage that stacks uninsured and underinsured lost wages roadside assistance 5000 accessory coverage (I may need to increase that) winter discount event replacement and lodging if I had tickets to concert and broke down or accident they replace value and put you up passenger coverage and probably more that i can't remember
I had a deer run into my chest years back lost my breath but never dropped bike went to emergency room thought may have broken rib or something (60mph) had to pay the whole emergency room bill xray cat scan ect. I will never go personally uninsured