Don't know how different this is in the US, but I used to have my bike insured through a specialist bike insurance company, however, once I got the roadie, this would have worked out rather expensive. Now, I just have both bikes as named items added to my home contents insurance, both are insured at home and away and also for accidental damage (once thing less to worry about when I fly over the handlebars). It worked out a lot cheaper than having them insured seperately, only added a couple of pound a month to my policy. It's worth checking out different insurers tho, some are more bike-friendly than others...