You might think that homeowners or renters insurance only protects your bike if it’s inside your house, garage, or apartment. Luckily, that is not the case.
Think of your insurance policy as a shield that floats with you wherever you happen to ride. Let’s say your Trek 21-speed is locked up outside a gas station in Ohio and is pilfered by a cross-country gang of bike thieves. You’d be covered! (Keep in mind that if it wasn’t locked, that’d be considered negligence, and your insurer might not cover you in this case.)