Insuring a bike?

[mimitabby]

Our homeowner's insurance covers us for replacement cost of contents, including bikes.

We have actually used it once ..
when someone lifted a new trek off our hollywood rack on the back of our car.

[Dogmama]

Our homeowner's insurance covers us for replacement cost of contents, including bikes.

We have actually used it once ..
when someone lifted a new trek off our hollywood rack on the back of our car.

That is my understanding also. I checked with my insurance agent (State Farm) years ago when I was doing a cross-state tour on my custom bike. He made the following suggestions:

1. Take pictures of your bike. (My advice - get close up pictures of expense bits, e.g., Campy gearing, expense rims, etc.)

2. Keep receipts.

Also, I have replacement-value on my policy. That means, if it is beyond repair or gets stolen, they have to buy me a new one. I can't imagine having to hassle depreciation on a bike. We all know they are PRICELESS no matter how old they are!!

For all you oldies but goodies -

My bike has a lugged steel frame. Replacing that would be difficult, if not impossible. You need to make sure that a qualified bike shop certifies that these special bikes are irreplaceable - well - except maybe with a Lightspeed or Orbea Hey - we all have our prices!!