I have homeowners insurance ,and car insurance ...but the total cost of the bike ,and stuff was probably around $800.00 or so, just enough as the deductible would be. I was just so comfortable on that bike. Now I'm taking the big step to a" clip less road bike". I'm filled with anger ,and shock ,and just plain PISSED off. Ill have to pay for a new road bike which I didn't plan on getting till March. I was only gone 1 hour. I need to just get over it ,and look for the positive. The bike shop said people come in crying at least once a week with stolen bike stories. I'm going to try and get fitted to my husbands TREK hybrid which has only been ridden 3 times. Maybe that will work till I get the road bike. Its a size bigger than mine was ,but I'm 5/9 with long legs ,so it may work. Thanks for your responses. I'm just so angry.