Does any here have Bicycle insurance(i.e.Velosurance,Big Ring etc.)? Have you ever made a claim? How easy was it to Make a claim?Did they actually pay replacement cost? Do you think renters /homeowners insurance is enough? As the replacement cost of my bike rises with each awesome deal I fear that a crash or theft would make replacment almost impossible.
I added my two bikes to my homeowners insurance by calling my State Farm agent. I have never made a claim. I could not find the thread I was looking for on Chainlink, but I did find this: http://www.thechainlink.org/forum/topics/bike-theft-insurance?comme...
My renters insurance will cover the replacement value of my bike whether it happens to be stolen at my home, or anywhere else. I've had a few claims over the years and it's an easy process if you have a reputable insurer. I'm not so sure renters would cover crash replacement.