On Tue, Dec 15, 2009 at 2:01 PM, CycloFiend <cyclofi...@earthlink.net> wrote:
> on 12/15/09 10:11 AM, Seth Vidal at skvi...@gmail.com wrote:
>
>> Does anyone know of an insurance company that offers insurance for
>> bikes stolen when you're out in the world? Theoretically my
>> homeowner's policy would cover it but I really don't want to test that
>> and not know. So I'm curious - can anyone think of a company that
>> explicitly offers bike-theft insurance?
>
> Renter's/homeowner's should cover it. There may be limits on the policy
> payouts, and pay attention to an specific-item exclusions or limits. But, if
> you have documented replacement values, it's hard for them to argue
> otherwise.
>
> A call to your agent (if you have one) or to the company might help. I'd
> verbally give them a general list of items ("computers, jewelry, hi-fi,
> electronics, oh, and bicycles, a couple of musical instruments...") to
> confirm nothing is excluded or needs a specific additional coverage rider.
>
I specifically asked:
I go to a coffee shop. I ride my bike there. I lock my bike up
outside. It gets nicked. What happens?
He said - $500 deductible and the rest is covered for replacement value.
thanks for the suggestion,
-sv
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