Insuring your bikes

[aicabsolut]

My renter's insurance covers my bike and all my expensive sporting equipment. It even covers it when it is in my car and stolen or damaged due to an accident where I'm at fault (which my auto insurance won't cover--my liability insurance only covers other people's property in/on my car in that case).

[boy in a kilt]

SGTiger was quite specific about ensuring both of our bikes were covered on our homeowners policy. Get this, they cover actual cost of replacement.

[Mr. Bloom]

My State Farm guy said homeowners covers it

That's good...my deductible is $2,500 ($40,000 for earthquakes)...how much is yours?

[boy in a kilt]

That's a big deductible for someone in the mid-west. Do you live anywhere near New Madrid?

[Mr. Bloom]

That's a big deductible for someone in the mid-west. Do you live anywhere near New Madrid?

Yep...with lots of unfavorable and unshielding geology in between...

[boy in a kilt]

Ahh. So you live in a place where if you do get an earthquake, it's gonna make a horrible mess. We studied that in my Geological Oceanography class in Grad school. Prof wanted to show us that the big, messy quakes don't always happen where you think. Also, I watched one of those alarmist science shows a while back that showed what might happen if the New Madrid fault cuts loose again. Things weren't looking good for Kansas City or St. Louis.

Given where we live, I would be interested to see what our deductible is. We do have the Cascadia Subduction zone sitting about 100 miles off the coast and when that thing lets go, it's gonna be a monster. I hope my bike survives if it does.

[Mr. Bloom]

I hope my bike survives if it does.

Me too...it will be the only way to get around.

[ilima]

Because of the unconsolidated soils in the east (e.g., Mississippi River system floodplains), the effects of an earthquake are felt much further away than most earthquakes in the west.

In the PNW I'd probably be more worried about lahars coming off Rainier when it blows or even a tsunami from the Cascadia subduction zone if you live on the coast.

[boy in a kilt]

Not worried about the Lahars coming off Rainier. I don't live anywhere near it. For that matter, I'm not worried about any Lahars coming off anything. Next closest lahar producing place is Mt. Hood and I have the hills west of Portland between me and it.

The Cascadia subduction tsunami is a slightly higher possibility. I've thought it through but I don't have a clear answer about whether a tsunami of that magnitude would flow 100 miles upriver against the Columbia river. Again though, I live at about 250 feet above sea level so if the tsunami gets that high, it's because god hates me.

What seems more likely is an earthquake. Either from the subduction zone or one of the other faults in the Portland area.

[Grog]

The Cascadia subduction tsunami is a slightly higher possibility. I've thought it through but I don't have a clear answer about whether a tsunami of that magnitude would flow 100 miles upriver against the Columbia river. Again though, I live at about 250 feet above sea level so if the tsunami gets that high, it's because god hates me.

I did get the "earthquake" rider when renewed our insurance recently. I think we'll see it during our lifetime...