Folks,
Our homeowners policy (State Farm) covers our tandem for theft as part of our homeowners contents. I asked them if it was stolen in Europe and told they said yes, I also told them our tandem cost well over $10,000 and they still said yes. Now that is only for theft. If we wanted to cover "all risks" that would be extra. So far we have chosen not to get the rider or policy for "all risks."

Tailwinds,
Charlie
2016 S&S Santana Beyond