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.