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  1. #1
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    renter's insurance > locks?

    I recently moved to a condo with a friend who bought the joint and my bike storage space got reduced to a small locked shed on our patio.. there are no floor-ceiling poles to which my bike can lock to. I was initially thinking of wrapping my bikes together along with the wall rack with the kryptonite NY chain/u-locks, but I guess 2 ppl could easily pick up the rack + bikes and just throw it into a truck and drive away.. that would be a Terremoto, Time road bike, and a Sinister hardtail.

    so i called my insurance agent and added renter's insurance with replacement coverage.
    I figure if someone is daring enough to jump over my fence and break down the door.. they can just as easily take my bikes... or not even break down the door. I came home one night and randomly went into the patio and found the door slightly ajar. it looks like my roommates were in the shed installing some shelving and forgot to close it.

    At $125/year.. i figure I better be safe than very...very.. sorry, even though i live in a seemingly quiet residential area

    Anyone else get renter's insurance for the sake of their bikes??

  2. #2
    The Bubble Wrap Hysteria
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    Does the storage locker have concrete floors? If so go to Homie Depot get a masonary drill bit and some hardware to mount a loop of chain. Or cheaper, get a couple of 45 lb weight lifting plates then run the cable through there......that way they have to haul bikes and weights. Don't forget to keep files of the serial numbers and pictures.

  3. #3
    Captain Underpants
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    Homeowners, but renter's before as well. $125 per year is a good deal, esp. considering the peace of mind it provides. The fact that the bikes are not in plain view should reduce the likelihood of theft as well. I second the plate idea.

  4. #4
    HIKE!
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    Believe me, recent trauma ($18k in bikes stole outta my garage this summer), get locks, use them, bolt things down, make it very inconvenient to swipe the bikes. Always lock 'em.

    Take photos of your bikes, document the serial numbers, and prices of things. Buy specific renter's insurance and take the photos, descriptions and serial numbers to your insurance guy. Be overly anal.

  5. #5
    CAO
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    putting a couple of eye bolts into a stud and running a cable through it is a cheap way to increase the PITA factor.

    oh, but there are a couple of motion activated cameras in the bike room/workshop and trigger points that integrate to the house alarm. call me over protective of the bikes.

  6. #6
    jrm
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    Yes..

    renters insurance is worth every penny. I had a truth replaced using it. Can you spread the bikes around? My roadies in the laundry room, the cruisers in the spare room and the el reys in the living room. What im getting at is that its better to have um in the house if you can....
    Wreck the malls with cows on Harleys

  7. #7
    No known cure
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    I've used renter's insurance before in the past when my '98 Rocky Mountain DH Race was ripped off. They prorated the replacement cost, knocking me down from 2200 to 1700 for a 1.5 year old bike. Take a pic of every component and save every upgrade receipt. Even grips, bolts, ect. I live close to the SA fault and in a high fire zone and keep pics on disc and receipt copies of everything in the house, in a separate file at work. We keep copies of all insurance paperwork there too. I hope you never have to use your insurance.
    Ripping trails and tipping ales

  8. #8
    Single Speed Junkie
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    Take photos and have a excel spreadsheet listing every part with serial number along with cost. If you have recipts even better.

    Had my garage broken into this past winter at an apt. All i did was hand the police and insurance agent the same list and it was no hassle.

  9. #9
    Bodhisattva
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    In my garage I keep 3 bloodthirsty Rottweilers and I installed an infrared activated laser system to zap any unwanted intruders. Seems to be working thus far.

  10. #10
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    Homeowners is great if the damage or theft occurs "in the home". Some policies cover if stolen or damaged on your car. I got a special rider from Chubb to cover both my Santa Cruz Superlight and Ventana El Rey. I not only get theft coverage wherever the bikes may be but also get damage -- with no deductable! Now I havent used the insurance to cover a broken chain, loss of handlebar end caps or my bike computer crapin' out, but I guess I could. I think the cost is about $125 a year as suggested above, for each bike. It allows me to ride more aggressively, keep my bike on my car for those quick afterwork rides, and saves me the concern of wondering if my baby is ok...

  11. #11
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    I'm sure my roommate won't be keen on drilling a hole and putting some mounts in his new place.. the shed is really limited.. you can't fit 2 mt bikes side by side, so I left the Sinister at my parents' garage, and have the roadbike above the t'moto. There's actually no other place I can put the bikes.. I had the roadie in the living room for a week, but I think my roommate and his gf didn't see it exactly as art work . maybe they woulda thought differently with the t'moto. I could throw the one bike into my bedroom, but the whole joint is pretty compact and there's no laundry room, and barely evnough room for our other junk and clothes.

    I made sure my insurance has a replacement policy. They said as long as the bikes don't appreciate like crazy, they'll pay whatever it takes to replace it as is. But I'll be compiling a list of the parts, taking additional pics (most of them are stored on photobucket) and storing them at work as others have suggested.

    As for the dogs, we have a 1 year old beagle that has barked maybe 3 times..if even. He does whine like crazy though, but probably not when security is breached. He is cute though... or used to be anyway

    Photo Sharing and Video Hosting at Photobucket

  12. #12
    Bodhisattva
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    Don't underestimate that Beagle. They can be vicious when provoked.


  13. #13
    Homer's problem child
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    Quote Originally Posted by The Squeaky Wheel
    In my garage I keep 3 bloodthirsty Rottweilers and I installed an infrared activated laser system to zap any unwanted intruders. Seems to be working thus far.
    Unless you have a rare breed of cold blooded Rottweilers, wouldn't your IR laser zapper kill the dogs? Plus, a cold blooded Rot wouldn't be very active/effective unless you had a nicely heated garage in CO in February.

    I'm just sayin.......

    B
    When the going gets weird, the weird turn pro....

  14. #14
    Bodhisattva
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    Quote Originally Posted by Bortis Yelltzen
    Unless you have a rare breed of cold blooded Rottweilers, wouldn't your IR laser zapper kill the dogs? Plus, a cold blooded Rot wouldn't be very active/effective unless you had a nicely heated garage in CO in February.

    I'm just sayin.......

    B
    The dogs are trained to avoid the sensors. In order to teach them to avoid the IR beams I strapped steaks to my young children and when the dogs approached we hit them with the tasers. Interestingly, Pavlov was right and they learned to avoid those areas.

    And I said bloodthirsty, not cold blooded... I rarely feed them and sent them to the Michael Vick school of dog training.

    But I probably could have gotten a Beagle to achieve the same end.

  15. #15
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    Good God ,you never know how interesting a thread might get!
    Former Homer...Ventana convert: extreme poseur!

  16. #16
    Homer's problem child
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    Quote Originally Posted by The Squeaky Wheel
    The dogs are trained to avoid the sensors. In order to teach them to avoid the IR beams I strapped steaks to my young children and when the dogs approached we hit them with the tasers. Interestingly, Pavlov was right and they learned to avoid those areas.

    And I said bloodthirsty, not cold blooded... I rarely feed them and sent them to the Michael Vick school of dog training.

    But I probably could have gotten a Beagle to achieve the same end.
    Hmmmmmm, so if I want to steal your bikes, all I have to do is recruit a young child to go in and get it for me? I doubt a Rot is capable of recognizing the subtile differences between your child with a steak tied to them and one I borrow from an orphanage or through a Big Brother program.

    Thanks for the info
    B
    When the going gets weird, the weird turn pro....

  17. #17
    Bodhisattva
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    Quote Originally Posted by Bortis Yelltzen
    Hmmmmmm, so if I want to steal your bikes, all I have to do is recruit a young child to go in and get it for me? I doubt a Rot is capable of recognizing the subtile differences between your child with a steak tied to them and one I borrow from an orphanage or through a Big Brother program.

    Thanks for the info
    B
    Be sure to bring steaks

    And beware of the fire-breathing dragon backup system

    If that wasn't enough to defer thieves, I also have headshots of Fo hanging all over the garage. Scary.
    Last edited by The Squeaky Wheel; 12-06-2007 at 11:54 AM.

  18. #18
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    Quote Originally Posted by The Squeaky Wheel
    If that wasn't enough to defer thieves, I also have headshots of Fo hanging all over the garage. Scary.
    That is scary....

    I have my vicious attack dog taking care of the bike protecting duties...



    Doesn't look like much now...but give her about another year. I don't think the vicious will ever pan out though....

    On a more serious note...

    Renter's insurance is a must have along with as much documentation as you can get. When I had an apartment...I took pictures of the entire place. It also helps if you ever have to make a list in case of fire or theft.

    We now have it on our homeowners insurance, and I did the picture thing again...it was a special add on for the engagement ring and the bike (was bikes before the engagement ring arrived )

  19. #19
    Homer's problem child
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    Quote Originally Posted by The Squeaky Wheel
    If that wasn't enough to defer thieves, I also have headshots of Fo hanging all over the garage. Scary.
    I just threw up in my mouth a little.
    When the going gets weird, the weird turn pro....

  20. #20
    mtbr member
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    Where are those freaking sharks with freaking laser beams attached to their heads?
    Former Homer...Ventana convert: extreme poseur!

  21. #21
    011100000110111101101111
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    or have this video running on loop next to ur bike:


  22. #22
    Bodhisattva
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    Here's a picture of my attack dog. I pity the fool that underestimates this killer.
    Attached Images Attached Images

  23. #23
    post-ride specialist
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    Quote Originally Posted by unfluid one
    or have this video running on loop next to ur bike:


    LOL!
    Since when did Need have anything to do with this?

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