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Is my bike covered under my homeowners or renters insurance?

Each policy is different but the cover for bicycles in homeowners and rental policies are generally very limited. They usually have very low limits, so if you have a $2,000 bike and it gets stolen, and the limit on your policy is $500, you will only get $500. Homeowners and rental policies also usually don’t provide any coverage for damage while you ride your bike, especially if you race it.

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