Warning to everyone who think their bicycles might be insured. I have homeowners insurance on my bicycle. I called my insurance company to ensure my bike would be covered in case I had an accident. I was assured that I was covered if I wreaked my bicycle. Now the insurance company is refusing to reimburse me for my bicycle. They are saying I needed a separate rider on my policy. Even though I was told in the phone call that I did not need one. Make sure your bike is covered by your insurance policy. Get verification from your insurance company in writing. I am out $5,000 for the cost of a new bicycle because the insurance company won't pay out now. On top of the cost of all my medical expenses.