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Message: [QUOTE="G. Gearloose, post: 148071, member: 19284"] I searched before posting, but no avail, I recently inquired about my theft coverage on our bikes under homeowners policy and found out we could be without any theft protection… So turns out the bikes are only covered for liability in my own yard… No surprises there yet….. First the agent was worked up that I said they had off-road plates. His response was they need individual policies because the bikes were ‘registered’ (in other words - taxed) so I took that as a clue my agent was confused so I asked them to do some research. BUT this is what sounds wicked bizaah…he replied he thought the bikes are not within the scope of ‘land conveyance’ vehicles (riding lawnmower, tractor for his example) and even theft from my shed is not covered. WHAT? Additionally, my boat insurer thought my boat was covered off-season under homeowners too, if stored on my property. But I inquired with my agent about that and they replied no again, they’ll cover a small craft under $1000. But I recognized the double standard because boats are registered too. But if a tree falls and crushes my boat, I’ll get back only very fractional value. Thought I’d share and start a topic to clear this up and perhaps we can be more wary of ‘assumed’ coverage. I suddenly find ourselves underinsured and very confused. Any insight out there? Do I deserve a PhD in duh or are they blowing smoke up my south end? [/QUOTE]