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Liability: Given what it costs, It's good to have the maximum. You can hurt someone pretty bad with a motorcycle even in a silly accident.
Comprehensive: It depends on where you leave the bike. It's a must if you regularly park the bike in public or semipublic places for long periods or in a regular basis. Condos parking lots are heaven for thieves, at least here in Florida.
On the other hand, I wouldn't get it If you use the bike only for rides and keep the bike inside your house during the night.
In case of a theft, the company will pay you the 'market value'. You should ask them how they calculate it and how much it would be at the moment of buying the policy. However, it changes as the market changes.
Don't forget to ask if they offer Roadside assistance. If they do, it costs very little and it's very helpful.
Also get a good lock, or two. Maybe a disc lock plus a chain lock. And always put the steering lock when you park. Everything helps.
If you leave the bike outside, put also an all weather cover with lock. Will keep it hidden and will slow down the effect of the weather on the bike.
Congratulations on your bike! Take it easy and ride within your limits!
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