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10 questions to ask your insurance agent
When it comes to bicycle insurance, one of the most common questions people ask is, “Does my home insurance cover my bike?†The short answer is: maybe, but not very effectively. Home or renters’ insurance typically covers items like furniture, electronics, and valuables, but when it comes to bicycles—especially high-value ones—it often falls short. Unlike a couch or a TV, a bicycle is considered a vehicle, which means it faces a wider range of risks, such as theft, vandalism, and accidents—not just natural disasters.
With over 15 years of experience in the insurance industry, we’ve seen firsthand how poorly standard home policies handle high-end bikes. After analyzing countless scenarios, we realized there had to be a better solution for cyclists who want real protection.
Your bike isn’t just an item; it’s a key part of your lifestyle. If it were stolen or damaged, you’d likely want to replace it quickly with something of similar quality. Deciding whether to purchase dedicated bike insurance or self-insure by setting aside money for replacement depends on factors like your income, risk tolerance, and how much you ride.
**PolicyGenius tip:** Many homeowners or renters policies only cover the actual cash value of your bike, meaning they pay what it's worth today—not what you originally paid. A replacement cost policy, on the other hand, pays the full amount needed to buy a new one, which can be significantly more expensive.
Many people assume their bike is covered under their home insurance, and sometimes that’s true—but the details matter. How much is it covered for? What types of damage are included? Before relying on your home policy, it’s wise to call your agent and ask these important questions:
1. **Is my bike covered under my home insurance?**
Some policies only cover items inside your home. If your bike is stored outside, is it still protected?
2. **What is the maximum coverage for my bike?**
Many policies limit individual items to $500 or $1,000, which may not reflect the true value of a high-end bike.
3. **Does the coverage depreciate over time?**
If your bike loses value, will your insurance pay the current value or the original price?
4. **What is the deductible?**
A high deductible could leave you paying a large portion of the repair or replacement costs.
5. **Is my bike covered if it’s damaged while riding?**
Theft, collisions, and accidents can all lead to costly repairs or replacements.
6. **Is my bike insured during races or organized events?**
Some policies don’t cover bikes used in competitive settings.
7. **What happens if I lend my bike to someone else?**
If a friend damages or steals your bike, will it be covered?
8. **Is my bike protected during transport?**
Bikes can be damaged while being moved, so it's important to know if that’s covered.
9. **What about partial damage, like stolen wheels?**
Even small losses can add up, and some policies charge a full deductible for minor incidents.
10. **Will filing a claim affect my home insurance?**
Filing multiple claims could increase your premiums or even result in policy cancellation.
11. **Are electric bikes covered?**
E-bikes are becoming more popular, but many insurers still struggle to categorize them properly.
If your answers to these questions make you uneasy, you might benefit from a specialized bike insurance policy. Velosurance offers comprehensive coverage tailored for cyclists, including e-bikes, and covers all the risks mentioned above.
To give you a clearer picture, here's an example: a 5-year-old $3,100 bike is stolen. Here's how coverage would compare between home insurance and Velosurance:
| Feature | Home Insurance | Velosurance |
|-------------------|----------------------|----------------------|
| Asset Value | $3,100 | $3,100 |
| Depreciation | $1,550 (50% over 5 years) | $0 |
| Deductible | $1,000 | $300 |
| Claim Payment | $550 | $2,800 |
| Savings | $0 | **$2,250** |
That’s a difference of $2,250, or about 12 years of Velosurance premiums at $186 per year.
**America’s best bicycle insurance** – Get a free instant quote today and protect what matters most.