Coverage Comparison
Five ways your bike might already be covered. Sort of.
Most riders carry three or four of these already. The honest answer to “do I need bike insurance?” depends on where the coverage you have runs out — so here’s all five, side by side, including when homeowners insurance is genuinely the right answer.
Pick a scenario to highlight the rows that decide it:
Show:
| Situation | Homeowners / renterswhat you probably have | insuremy.bikestandalone bike policy | Travel insurancetrip policies | Credit-card protectionpurchase/baggage benefits | Manufacturer warrantyincl. crash replacement |
|---|---|---|---|---|---|
| Theft from home | |||||
| Theft away from home | |||||
| Crash damage (your bike) | |||||
| Your liability to others | |||||
| Racing & timed events | |||||
| Airline / transit damage | |||||
| International riding | |||||
| E-bike eligibility | |||||
| Deductible on a claim | |||||
| Payout basis |
Tap any cell for the fine print. Characterizations are general-market — your specific policy wins every argument, so read it.
When homeowners is enough: bike worth less than ~2× your deductible, stored indoors, no racing, no commercial use, and your carrier confirms cycling liability applies. That combination describes a lot of riders, and they shouldn’t buy our product.
Indicative quote only. insuremy.bike is a community-organized insurance offering still working through NJ DOBI filing. The price you see is our actuarial estimate based on county-level loss data — not a binder. Pricing, terms, and final eligibility are subject to regulatory approval.
Already decided you want a standalone policy? See how the actual providers — Velosurance, Progressive, Sundays, BikeInsure and Markel — stack up on price and S4834 liability, side by side. Compare providers →