As most insurance policies only cover bikes up to $500 or $1000, you'll likely have to get a rider for additional coverage for each individual bike. It'll probably cost you a few dollars for every $100 of worth of your bikes, but, depending on your insurer, you may not have any deductible to worry about for those items. I have such riders for my bikes, and when my Kona mountain bike was stolen a number of years ago, the claim process was quick, painless and it didn't cost me a dime (except for the money I added to be able to upgrade my ride!)