i called my renters insurance people and my bike seems to be covered for both on and off premises theft like outside a cafe etc for full replacement value ($3500). think it is also covered under renters policy for being damaged as i recall. this required no extra endorsement payment. this is with 'assurant' renters insurance

https://w2.assurant.com/agm/rentersi...bnumber=187511

batsheva