Bicycle
Automobile claims are not limited to vehicles only. You could be riding a bicycle and be struck by a vehicle. Your injury and property damage would be compensated.
Your bike may be of a higher than usual value. If so you might consider listing it on your personal property insurance for the replacement cost. This reduces the deductible and removes limitations if you have a claim for a loss, such as theft.
Talk to your broker or agent, about your options for protecting the financial investment you have made in your bicycle. Turners Tips wants you to take control of your insurance.