What is bike insurance, and how does bicycle insurance work?

Bike insurance helps protect your bicycle or e-bike from financial loss if it is damaged in an accident or stolen.

Coverage applies to new or used bicycles, e-bikes, and listed accessories, whether ridden casually or competitively, on-road or off-road. BikeInsure policies allow you to select the appropriate coverage type and Amount of Insurance based on the value of your cycling equipment — the bike and listed accessories — up to $50,000.

Unlike homeowners or renters insurance, BikeInsure is a separate policy designed specifically for cycling equipment, so claims do not affect your other personal insurance policies.

Coverage territory varies by state, as shown at enrollment, and is subject to the issued policy.

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