theft from your house is covered by your home owners insurance, theft from or when on your car is covered by your car insurance, if someone hits you (car) and the bike is hurt that's covered by their insurance or yours if they are uninsured and you have uninsured motorist coverage. Just don't do the bonehead move of the year (see thread by that name) because running your bike into the car port roof (roof rack) is NOT covered by any insurance and my agent never mentioned a rider.

I am seeking another insurance company because that's 2 (two) bikes he has not covered. When my Trek was lifted from my home he did not cover it because the insurance was in my then current-now ex's name and I found out the hard way they do not honor domestic partners. As far as our property was concerned we were legal strangers.

who do you use?