Bike Insurance

[NbyNW]

We have Allstate.

While we have considered changing our insurance provider -- for similar reasons as state above, like them not going to bat for us on certain matters . . .

. . . they did pay for the replacement of my Rodriguez when it was stolen last year. Granted, I did max out my deductible, which was roughly 25% percent of the replacement value, but I do think I got a better replacement bike for what I spent vs. not having filed a claim.

My insurance agent gave me a pretty balanced opinion on whether to file claim or not. Our premium did increase a little, that's the downside. If I factor that increase into the cost of the bike, it was still worth filing the claim.

The upside is that I had a new bike about 5 weeks after I filed the claim.

I'll also add that I had no idea whether my bike would be covered or not. I was a bit naive about my first road bike, and hadn't thought to confirm whether it was covered.

I have since added my Rodriguez and Dahon as line items to our policy.

[Blueberry]

What my Allstate agent told me (and the policies vary from state to state, so ymmv...)

Bikes are covered if they are stolen. Bikes might be covered if they are damaged by you (but probably not). If bikes are damaged by the airlines, no claim exists (I was trying to insure our Bike Fridays when we flew to San Diego). Allstate said there was no way within their model to get that coverage. In NC, a bike cannot be a line item on a policy.

CA