Hey ladies! I need help. I need bike insurance on my two bikes. So, I am trying to get a separate endorsement on my renter's policy to cover them (mainly worried about road bike here) if something happened "off premises" aka bike stolen from cafe, or stolen out of my car, or I get mugged and my bike is taken.

AAA rep says no endorsement exists so I'll just have to be happy w/ the blanket off premises coverage which would give me a max of $3200 if the road bike were stolen. However, I'd be out like 6k+ to replace it.

Ideas? I'd prefer a policy that would cover things like a motorist destroying the bike too, but thats asking for the moon.

I'm fed up and annoyed and am hoping someone has options...or at least can commiserate.