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Bicycle insurance mistakes and misconceptions
Bicycles are often overlooked when it comes to insurance coverage, but many people assume their homeowners or renters insurance will cover their bike in case of theft or damage. While this is sometimes true, the coverage is usually very limited. Most home insurance policies only offer a small amount of protection for personal property, and bicycles are typically not covered for incidents like accidents, crashes, or theft that occur away from your home. If you're involved in a race, an organized ride, or even just a regular accident on the road, your home insurance may not help at all.
In addition, filing a claim for a stolen or damaged bike can lead to higher premiums or even policy cancellation. That’s where Velosurance steps in. Our specialized bicycle insurance is designed specifically for cyclists, offering full coverage for theft, damage, and loss—anywhere in the U.S. and Canada, including while traveling or shipping. Unlike general home insurance, Velosurance claims won’t impact your other insurance rates, giving you peace of mind without the risk.
The cost of Velosurance is surprisingly affordable. Policies start at just $100 per year, and for most bikes, the cost is just a fraction of what you’d pay to replace a damaged or stolen one. For example, a $3,000 bike in Miami could be insured for $186 annually. If stolen, without insurance, it would take over 16 years to save up the money needed to replace it. With Velosurance, after a $300 deductible, you’d get a $2,700 payout and be back on the road in days.
Some riders believe that a high-quality lock is enough to prevent theft, but that’s not always the case. According to FBI crime statistics, a bike is stolen every 2.8 minutes in the U.S., and many of these cases go unreported. Thieves target expensive bikes, so even the best lock isn’t a guarantee of safety. Velosurance covers your bike for theft and damage anywhere in the country, and we even offer global coverage with a small additional premium.
Many people think their home insurance includes a special "bicycle rider" clause, but in reality, this coverage is rarely sufficient. Home insurance typically pays out based on Actual Cash Value (ACV), which means the value of the bike minus depreciation. Let’s say a $3,000 bike is stolen after four years. With home insurance, you might receive only $2,100 after depreciation, minus a $1,000 deductible—leaving you with a $1,900 out-of-pocket expense. With Velosurance, you'd pay just $100 in deductibles and get $2,900—saving you $1,800.
If you're looking for reliable, affordable, and comprehensive coverage for your bike, Velosurance is the right choice. Get a free instant quote today and experience the difference.