Does Home Insurance Cover Bicycles?

Many people in the Oshkosh, NE, area own bicycles that they use to exercise, recreate, travel, or commute. Some of these bikes are quite valuable, making them difficult to replace if destroyed or stolen. One effective way to protect a bicycle is to obtain home insurance.

Bicycle Coverage

Homeowners’ policies treat bikes as personal property. This means they’re generally covered in the same situations as other belongings, such as theft, vandalism, and fire. Be sure to keep purchase receipts and write down some details about your bicycle. A photo could also prove useful if you need to file a claim.

Keep in mind that coverage limits may apply to the value of a bicycle or personal property in general. You might need to upgrade your coverage when you buy a high-end bike, especially if you own other highly valuable items. An insurance agent can determine if this is necessary.


Regular home insurance probably won’t cover damage inflicted by a bicycle crash, flooding, or an earthquake. You can’t make a claim when the bike is worth less than the policy’s deductible. If a mortgage lender purchases homeowners’ coverage for your house, it might not cover personal possessions.

Away From Home

Although it’s called home insurance, it can protect a bicycle in many different places. The policy will generally cover theft, liability, and certain other incidents while you’re riding or transporting a bike. This may help safeguard your assets if you accidentally harm another person in a bicycle accident.

Based in Oshkosh, NE, Western Trails Insurance serves homeowners throughout Nebraska and Colorado. Our independent agency works with more than 30 different carriers to provide customers with a wide range of options. If you’re looking for dependable home insurance, please call Western Trails Insurance at 308-772-1044 today.