CHOLTUS FAMILY

A standard homeowners policy/rental policy will cover your bikes but they usually have a sublimit which is fairly low and are subject to the same deductible you have on the policy. The issue is that the insurance coverage will only apply based on covered perils (fire, etc) of your standard policy.
If you have an expensive bike(s) ask your agent to schedule the bike(s). Not all insurers will do this but those who do will do so for a low cost. Scheduling your bike typically means no deductible and broader coverage than the standard perils provided under your homeowners policy. It also typically provides worldwide coverage.
Karl

> Date: Mon, 23 Sep 2013 16:12:42 -0700
> From: joec@aracnet.com
> To: obra@list.obra.org
> Subject: Re: [OBRA Chat] Bicycle Insurance
>
> Depending on the event, if you have homeowners or rental insurance, your
> bike(s)
> are covered. Possibly your auto insurance will cover them as well,
> depending on how
> they are damaged/lost/stolen.
>
> My homeowners insurance has covered me both times my bikes were damaged
> after incidents
> with motorists not paying attention.
>
> Joe
>
> On 2013-09-23 16:08, Travis Wilson wrote:
> > Hey OBRA,
> >
> > Does anyone have specific bicycle insurance through their local
> > insurance agency? Any suggestions are appreciated.
> >
> > Thanks,
> > Travis
> > _______________________________________________
> > OBRA mailing list
> > obra@list.obra.org
> > http://list.obra.org/mailman/listinfo/obra
> > Unsubscribe: obra-unsubscribe@list.obra.org
>
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Matt Martel

Travis,

Great question. Like many people I have auto and home insurance. It covers
some things but not everything. I found this link below. I don't know
anything about the company but it has a great checklist on the front page
you could use to have a conversation with your insurance agent.

http://velosurance.com/

Regards,

Matt Martel

On Mon, Sep 23, 2013 at 4:08 PM, Travis Wilson
wrote:

> Hey OBRA,
>
> Does anyone have specific bicycle insurance through their local insurance
> agency? Any suggestions are appreciated.
>
> Thanks,
> Travis
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

joec@aracnet.com

Depending on the event, if you have homeowners or rental insurance, your
bike(s)
are covered. Possibly your auto insurance will cover them as well,
depending on how
they are damaged/lost/stolen.

My homeowners insurance has covered me both times my bikes were damaged
after incidents
with motorists not paying attention.

Joe

On 2013-09-23 16:08, Travis Wilson wrote:
> Hey OBRA,
>
> Does anyone have specific bicycle insurance through their local
> insurance agency? Any suggestions are appreciated.
>
> Thanks,
> Travis
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

Travis Wilson

Hey OBRA,

Does anyone have specific bicycle insurance through their local insurance agency? Any suggestions are appreciated.

Thanks,
Travis