Originally Posted by
goldfinch
Homeowners insurance may cover for bike damage, but deductibles can be the problem. IIRC, you can get a rider on homeowners/renters insurance to cover the full loss on bicycles that are damaged or stolen. You might ask you agent about it. Heck, I should ask mine.
Been trying to get a special rider from State Farm, as I have more than the regular home owners covers. I know it will require quite a bit of documentation: serial numbers, models, descriptions, etc. Certainly not a big deal if you only have a couple of bikes.