Of course, then they canceled me. :-( I guess they didn't think that
the $200 a year they were getting was enough...
Now that I have homeowners, I haven't had anything stolen. (knock on
wood) I know plenty of people who went though the same sort of things
that I did with homeowners and they were covered also.
Keeping receipts and such will help if you need to make a claim. Or
at least pictures. Also, while they will give you replacement value
(minus your deductable), they will initially give you the present
value of the bike(s) that was/were stolen. After you purchase a
replacement and and submit the receipts they will reiumburse you for
I don't have any idea about accident though.
Pleasant Hill, CA