I've been a Liberty Mutual customer for over 30 years. Cars, bikes, homeowners and even whole life policies. Went to insure my trike and they wouldn't cover it. I have switched most of my policies to Geico (which covers all of my vehicles now) because they covered the trike. Trike conversion is considered an accessory. Insured the trike and my bike with them with greater coverage for less money than just the bike alone with Liberty Mutual. Service with Geico has been very good too!