BikeInsure it! Homeowners Insurance is for the Home

Homeowners insurance is designed to protect your home and major property losses — not bicycles or e-bikes. Filing a bike claim under a homeowners policy can trigger consequences that often outweigh the value of the claim.

Why homeowners insurance doesn’t work for bicycles and e-bikes:

Higher deductibles:

Standard homeowners deductibles typically range from $500 to $2,500 or more, making many bicycle claims impractical. BikeInsure features a low $150 deductible.

Premium increases:

Filing a bicycle claim under homeowners insurance can increase your premium at renewal, even after a single claim.

Risk of non-renewal:

Multiple claims — regardless of type — may result in policy non-renewal or cancellation.

CLUE report impact:

Claims are recorded in the CLUE (Comprehensive Loss Underwriting Exchange) database and can affect future insurance eligibility and pricing for years.

Limited bicycle coverage:

Homeowners policies often apply low sub-limits to bicycles, frequently below the replacement cost of modern bikes. Riding accidents and transit damage may be excluded.

E-bike exclusions:

Many homeowners and renters policies classify electric bikes as motorized vehicles, which are typically excluded from coverage—even with a rider.

BikeInsure claims are filed separately and never affect your home insurance record, premiums, or CLUE report.

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