I had a long talk with a man who set up a company in Colorado years ago just to insure bicycles. He planned to sell only to bike club members with higher end bikes as surveys had shown they were more careful with their bikes. He found that as soon as people were covered they got careless with their bikes and he had to shut down the business in a few years. Renter/homeowner policy sounds good. Have someone else call your agent and ask. These days even asking about claims against your own policy can cause problems .