Thanks, I hadn't thought of that. I'll have to call my insurance company to find out if they cover that and under which policy. We get our auto and renters from the same company. I did find out last week, though, that they will cover the cost to replace our bikes with what it would cost new as opposed to the depreciated value. I really appreciate knowing that should anything happen to them(knock on wood) that we would be able to replace them with little out-of-pocket.