Quote Originally Posted by fidlfreek View Post
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.

We bought 2 bikes, worth a total of about $7000 last year and it was going to cost us about $700 a year extra for a 'rider' to cover them. Our insurance broker did some looking around and found a company that has no limit on bikes. We double-checked to confirm, then switched companies. The rest of our house coverage was the same or better, all for about $10 a year less than we had previously paid. Look around.