You're smart to be talking to your insurance agent now so that you can understand your coverage and purchase extra insurance in case you need it.

I was lucky when my first Rodriguez was stolen, that it happened to be covered by my homeowner's insurance. It also really helped to have the serial number, which took a bit of work to track down. Since I was the second owner of the bike and didn't have sales receipts, the serial number served as my proof of ownership.

As with your other valuables, it also helps to have pictures! It seems like every other day I see a post on craigslist about a stolen bike, but without pictures, I can only be so helpfl as another pair of eyes on the street.

I got some $$ back for the stolen bike -- essentially replacement value minus depreciation minus deductible. I don't know whether it would have made a difference to have it listed as a separate rider. Come to think of it, I should probably ask my insurance agent about that . . .