Bicycle Insurance

Help protect your set of wheels so you can pedal with peace of mind.

This coverage is only available in Wisconsin and select European countries. To get a quote overseas, call one of our .

Get a quote for bicycle insurance

What’s bicycle insurance?

Bicycle insurance is part of what we call Personal Property Plus insurance. It helps protect bikes, e-bikes and accessories beyond what a homeowners or renters policy covers. Plus, there’s no deductible.

How it works

In general, you give us a detailed description of each item and tell us what it would cost to replace it. High-value bicycles or accessories may need a receipt, an appraisal or other documentation to show proof of ownership and value.

You can insure up to 10 bikes. Coverage amounts range from $100 to $15,000 per bike.

What’s covered?

Here are some common bikes and accessories we usually protect:

BMX bikes
E-bikes, classes 1 to 3
Handlebars, lights and mudguards
Mountain bikes
Nonstationary recumbent bikes
Road or track bikes
Tandem bikes
Tricycles and unicycles

Claims covered by bicycle insurance

Bicycle insurance could pay to repair or replace your covered items. Here are some examples of common claims.‍ ‍^{See note 1}

Theft

Someone steals your new road bike from your car rack.

Drops and breaks

Your bike falls from the bed of a truck, cracking the frame.

Lost or misplaced items

After you move, you can’t find your e-bike anywhere.

Collision damage

You swerve and run into a tree, damaging your bike in several places.

Why choose us

No deductible

That’s right: there really is no deductible. This means you don’t have to pay anything extra when you make a claim.

Replacement cost coverage‍ ‍^{See note 2}

Your policy covers your things at their current value with no depreciation. If your stuff gets damaged, we'll pay to repair or replace it with another item similar in quality and value.

Is insurance for your bicycle worth it?

If you know you'd replace your ride if it's lost, stolen or damaged, bicycle coverage may be a smart move.

This Personal Property Plus policy doesn't have a deductible and is inexpensive compared to the cost of replacing valuable property.

To get a quote overseas, call one of our .

Get a quote for bicycle insurance

How much does bicycle insurance cost?

The amount you’ll pay will depend on the bike and how much coverage you need. Our rates to insure bicycles on a Personal Property Plus policy start around $36 per year.‍ ‍^{See note 3}

What else can Personal Property Plus protect?

You’ve got other important belongings, so let’s get them covered too. Here’s what else you can protect:

Sports equipment
Items you take on deployment
Jewelry and smartwatches
Technology
Cameras
Guns and bows
Musical instruments

Learn more about Personal Property Plus

Bicycle insurance FAQ

Here are some examples of items a Personal Property Plus bicycle policy won’t cover:

Stationary bikes
Bikes older than 75 years
E-bikes above class 3
Mopeds and scooters
Clip-in shoes
Helmets
Unattached accessories like mounts, lights and GPS

If you need coverage for things like stationary bikes or unattached accessories, check out our Personal Property Plus policy for sports equipment.

No. Personal Property Plus only covers damage to your bike and accessories.

Homeowners or renters insurance usually offers liability coverage for your bike. So if you’re responsible for injuring someone or damaging property, your policy may help pay for medical expenses or repairs. Some exceptions or conditions may apply. Refer to your policy for details.

You can also get liability protection with a bicycle policy through the USAA Insurance Agency. We work with Markel American Insurance Company to help you customize the coverage that fits your needs.

We’ll need the following details for your bike and any accessories you have:

Type of bike
How you’ll use the bike
Manufacturer's name
Model year
Model name or number
How much coverage you want
Optional upgrade descriptions for things like seats or handlebars

Cycle with confidence knowing you’re covered.

To get a quote overseas, call one of our .

Get a quote for bicycle insurance

Bicycle insurance with Personal Property Plus

What’s bicycle insurance?

What’s covered?