What insurance??

[SadieKate]

In 1994 we were the owners of the largest home robbery record in town - we may still hold the record for all I know. Among a bunch of tother stuff, they stole a custom tandem, a very high end road bike and a folding bike (all while 2 extremely expensive mtb bikes were in their way). State Farm paid for all (after the deductible) though they went into shock when they found out the replacement cost of the tandem and the road bike. They didn't believe us on the initial call and didn't come out to help. They ended up doing a recorded question period because the agent had to explain to her superiors why she wasn't on our doorstep that night when the claim/damage was so large. No, we were not in good hands but they did cough up the cash eventually.

I was also rear-ended on the freeway Jan 04. Ford Expedition going about 20 plowed into my stationary Yakima Hitchfork. They are heck for stout racks and saved me from worse damage but the rack had to be replaced as well as the back door of my Trooper. USAA paid for everything, no questions asked.

Talk to your agent and read your policy. Keeping the records on your bikes or having an LBS that knows your bike and can write up an appraisal is absolutely critical. We did not need an additional rider on any sports equipment but every policy and company is different.

[Dogmama]

I have a custom bike & I checked with my agent (State Farm). He said to keep all receipts and to take pictures of the bike. I have replacement insurance also & I made sure he knew how much I paid for the bike. My homeowners covers it.