feltdude

Who do you guys in the US use?

labiker

i have a liability insurance... covers any damage i do, others do to me and my bike being stolen

Guest

My renters insurance covers my bike. I have insurance through Allstate.

Koffee

feltdude

Through who?

feltdude

My homeowners insurance covers my bike being stolen from my house.. that's it.

Hitchy

yeah mine too......you can get insurance to cover the bike anytime, (even race damage!), but its expensive & they noramlly only cover up to $5K. Even my 'homeowners' insurance will only cover my bike if its chained to a U-lock that is bolted to the concrete floor....& they charge me an extra $12 a month for the privilege!......ya gotta love your insurance company!

Hitchy

DogBoy

Most Homeowners (Including renters/condo) policies will cover the cost of your bike being stolen from your premesis the same as any other items being stolen from your premisis. Where policies differ is in the way they treat a claim off premisis. Most will only cover a limited amount (like $500) of the cost if you do not get a specific endorsement to cover the bike. If you get the endorsement, it is most likely going to be a scheduled property rider, and you will have to pay for it as though it were jewelry etc. If you have an expensive bike, my suggestion to you is to read your policy carefully, and if you have any questions or doubts about your coverage, call your agent or the company to make sure that you are covered. If they tell you that you are covered, record the conversation. If they say you aren't, ask what you need to do to get coverage. Policies vary from company to company, so read carefully.

rule

Covered under a Personal Articles Floater to my homeowners policy.

feltdude

Thanks for the replies, I'll call USAA and look into it.

phantomcow2

bike insurance? I have masterlock

feltdude

I don't trust a lock with my $4500

washed up

My bike is insured by Smith & Wesson.

triggersd

I own a Kryptonite U-lock. Anyone got a bic pen? you can have my bike. I'm sure you've all heard about that one by now. They're replacing their U-locks because after all these years all it took was a bic pen. I've kissed at least 4500 bucks worth of bikes away because...well, I don't know why people steal bikes. I guess they're just @holes.

Raiyn

Umm yeah we're the REASON they're replacing all the locks https://www.bikeforums.net/general-cycling-discussion/67493-your-brand-new-bicycle-u-lock-not-safe.html

collegeskier

FeltDude, I believe that USAA Insurance covers 10% of the policy value off of the premises of the property insured for either home owners or renters. Although a bike at that value might be more of the jewerly thing that is limited. I know my bike at about a grand is covered under my parents homeowners still. (AH the joys of being dependent although that is soon to end and going to have to get renters insuracne)