Is my bike covered if stolen from a garage?

Yes. When optional Bike Theft Insurance is selected, BikeInsure covers theft of the insured bicycle or e-bike from a private garage, residence, apartment bike room, or other storage location, provided the bicycle is secured while unattended. Tip: "Lock it, then leave it."

Coverage applies whether the garage is attached or detached and protects the enrolled bicycle and listed accessories when the bicycle is stolen.

BikeInsure does not require bicycles or e-bikes to be locked to an immovable object or secured with a specific pre-approved lock. The requirement is that the bike is secured when unattended, which can be accomplished by locking it.

If a covered theft occurs, the policy pays the replacement-cost value for equipment of substantially similar kind and quality, which may be based on a newer equivalent model, including listed accessories, up to the Item Amount of Insurance shown on the Declarations page, less the $150 deductible.

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