Originally Posted by d2create

Am I the only one who insures stuff that is important to me?
A 'Personal Articles Policy' tacked on to your homeowners will fully cover your bike from anything (even if you drop it off a roof), no deductible, around 20 bucks a year.
I just recently insured over $4k of photo equipment for $60/year. Doesn't matter if it gets stolen, dropped, rained on, whatever. Full replacement, no deductible.
You can't beat peace of mind like that.