Bike insurance vs. homeowners

Don't wait until you file a claim to find out if you have the proper protection for your bike

Are you sure your current insurance is properly protecting your bike?

If you’re like most cyclists, you may assume you and your bike are fully covered under your home or renters insurance policy.  But if you ever need to file a claim, you may be shocked to discover that your current policy is filled with exclusions and restrictions that limit what you can get in replacement costs for your damaged or stolen bike.

While it may be true that homeowners insurance personal property coverage could provide support for bicycle theft, some homeowners policies may have low coverage limits for things like sporting goods equipment. A low coverage limit combined with a high deductible means bicycle owners may be faced with the majority of the cost to replace their bikes. Having a separate bicycle insurance policy can ensure that no matter how high the value of a bike, it’s covered in times of crisis.

At Markel, we know you deserve better.

See how an average homeowners insurance policy stacks up against Markel bicycle insurance
Markel vs. homeowners insurance

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** Homeowners coverage is typically actual cash value (ACV) of the bike, not replacement value. Insurance, coverage, and discounts are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. For questions or a complete definition of coverages and discounts available to you, please call a Markel insurance specialist at 1-800-236-2453.

Markel Customer Service
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Mon.–Fri., 7:00 a.m.–8:00 p.m. CST
Sat., 9:00 a.m.–5:00 p.m. CST

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