We've been puzzling through this too. According to our agent, they can't put a rider on for the bikes (jewelry yes, bikes no). We would have to go to another company and get an inland marine (?!) policy (they don't sell such a policy, but recommended a few competitors who do). Anyone had to deal with this before?

For now, they're covered under the homeowners policy - we just have a $500 deductible.

Carrie Anne