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Actually, Duc's tend to be a bit easier to insure than Kawi/Yam/Honda/Suzuki sportbikes in a lot of instances...
Plus his insurance is probably not that bad considering he's a homeowner and at the very least he's going to get multi-policy discounts.. and since it's a home equity loan he's pulling money out of, he probably paid for the bike already and doesn't have to have full coverage on it.
Some companies work the fact that your bike isn't ridden year-round into their premiums, that way you can carry insurance and ride on nice days instead of pulling the bike into and out of a storage plan each time you want to ride on those random nice days, and you can still carry liability to satisfy the state requirement if you have valid tags on the bike.
Insurance is easy, you just gotta know what you want and look around and don't settle.