Did you know that your homeowner’s insurance probably doesn’t cover the cost of your bike if it’s stolen or damaged in an accident? It’s true - if you own a bicycle or e-bike in the United States, there’s a good chance that you need separate bike insurance.
And making claims on your homeowner's insurance, even with an additional rider for your bikes, may significantly increase your premiums and raise the risk of your policy's non-renewing.
But - what if I told you there was a better solution?
My name’s Andy Clark - I’m a lifelong cyclist and part time product reviewer, and I'm here to tell you more about something I believe every cyclist needs: BikeInsure.
BikeInsure is an insurance policy specifically designed for bicycles and e-bikes. It was created because homeowners' insurance policies simply don’t offer adequate bicycle coverage, and they also exclude electric bikes because they are classified as motorized vehicles. BikeInsure provides comprehensive coverage for both! It’s affordable insurance coverage for your new and used bikes, and it’s available nationwide.
With a separate insurance policy from BikeInsure, you can enjoy the peace of mind that your bike is protected against damages from unexpected accidents while riding and during transit.
Most importantly, BikeInsure also offers theft coverage! Whether you're riding casually or competitively, on road or off, BikeInsure has your bikes covered. And if your ride of choice does happen to be an electric bike, your policy will be the same price as a standard mechanical bike. And as an added bonus, you won't have to worry about accessories or component upgrades you've made because as long as you list them on your policy, they’re all covered!
The best part is that if you ever need to file a BikeInsure claim, it won't affect your other insurance policies. Your homeowner's policy will remain in good standing, so it's a true WIN-WIN — you can fully protect your bike with BikeInsure while safeguarding your homeowner's insurance!
BikeInsure is underwritten by Great American Insurance Company, which has an A+ rating from AM Best. For over 150 years, Americans have trusted Great American Insurance to protect them and render best-in-class service.
BikeInsure is trusted as the official bike insurance provider for USA Cycling. USAC members can opt-in for discounted bike and e-bike insurance at USACinsure.com.
That’s USACInsure.com
Signing up for BikeInsure is easy and takes just two minutes. So, Get BikeInsure and enjoy the ride!