I added a $5k or $10k rider on my homeowner's insurance 10-11yrs ago to cover bikes specifically; I don't recall the details exactly, but still expect my insurance to provide some reimbursement. In the past, for the actual thefts, I was covered through my parents' homeowners-- Oh! i forgot that I had a '89 GT Karakoram k2 that got ripped, and the payout on which allowed me to get the Fat-- and my renter's insurance (which covered the Fat theft, and gave me the funds to get the Cannondale [used] and pocket the difference, which I used to get a motorcycle). After the C-dale got vic'd, my renter's had a payout limit within a certain time period, so that didn't go in my favor, but yet I managed to get together enough for a 2nd hand Bridgestone MB3, so it worked out. I might have had to sell my Diamondback Master TG road bike to make it happen, but I don't recall exactly, as it was back in '93 or so.