Just a random thought --
I have a renter's insurance policy. I was required to inventory/document jewelry, computers, electronics, etc ., and I included my bikes on the list. This way if my bike were ever stolen from my apartment (or damaged by fire, flooding, etc), I would at least get something. The deductible is not that high (I want to say $500?) so it actually would help with a new bike, and the premiums are quite low -- I think it's something like $80 a year.

Worth looking into your rental/homeowners policy (or look into getting one if you don't have one), to see if your bike might be covered, or at least if you can get your next bike covered...