Some brands like Kryptonite and OnGuard do have programs that will reimburse you up to a certain dollar amount if your bike gets stolen. This requires a registration process, and you’ll want to read the fine print regarding what is actually covered. Other brands may have programs that will replace the lock if your bike gets stolen, but not the cost of the bike itself. Both of these options are generally considered ‘add-ons’ and may require additional purchases.