Does Home Insurance Cover Bike Theft? 
Bicycle theft would be covered under a homeowners insurance policy . Since your deductible will apply , you may assess the replacement value of the stolen bicycle before reporting the loss . In some cases , clients are unpleasantly surprised when their insurance carrier reports a loss to CLUE -LRB- National Reporting Database for Underwriting -RRB- . It is suggested that your contact your independent agent regarding advice on your specific situation ; an experienced representative should be able to explain the complete claims procedure thus allowing you to make a more informed choice of how to proceed ! 