Originally Posted by
treebound
Talk with your local insurance agent. Same with getting medical advice on the internet, talk to a doctor.
This too.
We talked to our insurance company about these things, and came away with the following:
Bike theft is covered under our homeowner's policy, but our deductible is $500 and that's the cost of the bike. Also, making a claim would raise our premium, so making a claim for theft would be dumb.
Personal liability coverage under homeowner's policy would cover in case of an accident if someone were to sue for damages.