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The coronavirus pandemic pumped up bicycle sales to the point that buyers confronted the first bicycle shortage in the U.S. since the 1970s. In tandem with that sales surge, bicycle theft has soared in a number of U.S. cities.As you might expect, the rise in bike ownership and theft has prompted more Americans to ponder insurance coverage for bicycles. That’s a particularly valid concern, since more than 2 million bikes are stolen each year in North America, according to Project 529. Pedal along as we examine the numerous spokes of bicycle insurance.How Are Bicycles Insured?Bicycles are covered under the personal property section of a standard homeowners or renters insurance policy. An insurer will reimburse you, minus your deductible, if you file a claim when your bike is stolen or when it’s damaged in a fire or other disaster that’s covered by your policy.Furthermore, homeowners and renters policies offer financial protection (under liability insurance) if you injure somebody or damage someone else’s property when you’re riding your bike.If your bike is damaged because you fall off or you collide with a tree, pedestrian or curb, it won’t be covered by your homeowners or renters insurance unless you add it separately to your policy. This is known as “scheduling” an individual item.If you’re riding your bike and are injured in a crash with a vehicle, your auto insurance policy would generally cover your medical bills under either personal injury protection or medical payments coverage, assuming you have one of those.Snejina Zacharia, founder and CEO of insurance marketplace Insurify, further notes that homeowners or renters insurance usually doesn’t cover a bike (or any of your possessions, for that matter) if it’s damaged or destroyed in a flood, earthquake or landslide.What Kind of Coverage Do I Need if I Own an Expensive Bike?The Insurance Information Institute suggests that if you own an expensive bike, you should ask about an add-on to homeowners or renters insurance known as an endorsement to boost your coverage. You also can explore a standalone bike insurance policy.Bike insurance policies usually provide broader and deeper coverage than homeowners or renters insurance policies do. For example, Markel’s bike insurance can cover things like crash damage, roadside assistance, spare parts and replacement-bike rentals, whereas a typical homeowners or renters insurance does not.Markel and another bike insurer, Velosurance, say their annual premiums start at 0. Markel’s average bike insurance policy costs 0 to 0 a year.Trusted Choice, a network of independent insurance agents, says you should look into standalone bike insurance if:You spent a lot of money on your bike. An everyday bike might cost roughly 0 to 0, while a specialty bike might go for more than ,000.You frequently ride off-road, potentially placing you and your bike at greater risk for harm.You compete at cycling events.You own a bike that’s been specially designed, upgraded or modified.You lack homeowners or renters insurance.You don’t have health insurance to cover injuries you might suffer in a cycling crash.Should You File a Claim if Your Bike Is Stolen or Damaged?If your bike is worth 0 but your homeowners or renters policy carries a 0 deductible, Zacharia recommends against filing a claim.“Not only will a claim increase your monthly premiums, but you won’t be getting anything in return. Essentially, it’s a lose-lose situation,” she says.If your bike is worth more than the deductible, calculate your potential claim check amount. If it’s small, it still probably isn’t worth filing a claim and risking a rate increase in the future that could cost you more over time.“It’s really about the balance between the cost of replacement and the increased cost on your monthly premiums. Some people might also say the hassle of making a claim is an additional downside,” says Zacharia.“Remember that your deductible matters,” Zacharia adds. “If your bicycle is worth 0 but your deductible is set at ,000, you’ll be paying out of pocket to replace it. It’s up to you where you set a deductible level. Just be prepared for the bill.”Registering Your BikeOne way to discourage bike theft—or at least have a better chance of getting your stolen bike back—is to engrave a serial number on it and register the number with the local police department. For example, New York City offers a bicycle registration program. 4472

The coronavirus pandemic is now starting to cause sporting events in 2021 to become canceled.On Thursday, the NHL announced that it has canceled the 2021 Winter Classic and NHL All-Star Game.The Winter Classic has become the NHL’s signature outdoor event for the last decade, generally played outdoors on New Year’s Day. The game was originally slated to be played between Minnesota and St. Louis in Target Field.The NHL All-Star Game, originally scheduled for Jan. 31, 2020, has been canceled. The NHL planned on playing the game in Sunrise, Florida, home of the Florida Panthers.The NHL said it intends on playing a Winter Classic in Minnesota and an NHL All-Star Game in Florida in the near future.“Fan participation, both in arenas and stadiums as well as in the ancillary venues and events that we stage around the Winter Classic and All-Star Weekend, is integral to the success of our signature events,” said NHL Senior Executive Vice President & Chief Content Officer Steve Mayer. “Because of the uncertainty as to when we will be able to welcome our fans back to our games, we felt that the prudent decision at this time was to postpone these celebrations until 2022 when our fans should be able to enjoy and celebrate these tentpole events in-person, as they were always intended. We are also considering several new and creative events that will allow our fans to engage with our games and teams during this upcoming season.”Due to the 2019-20 season not concluding until last month, the NHL said it does not intend on starting the next season until Jan. 1, nearly three months after its typical season opener. 1632

The Danish government said they plan to kill 15 million minks after the animals spread a coronavirus mutation to humans.In a press release, Prime Minister Mette Frederiksen said that a mutation of the virus has already spread from the infected minks to 12 people in North Jutland.Frederiksen added that the virus could spread to other countries and "carry the risk that the upcoming vaccine will not work as it should.""Denmark has a responsibility to our population," Frederiksen said in the news release. "With the mutation that has now been established, we now also have a greater responsibility for the rest of the world. A mutated virus risks being spread from Denmark to other countries. Therefore, we must take the situation on the Danish mink farms extremely seriously." 786

The coronavirus continues to play havoc on college football teams throughout the United States as 15 Division 1 FBS games have been postponed or canceled for this weekend.Of the 15 contests, six involved AP Top 25 teams, including No. 1-ranked Alabama, No. 3 Ohio State and No. 5 Texas A&M. No conference has been impacted more than the SEC, which postponed four of its seven games scheduled for Saturday.The most anticipated matchup of the weekend, top-ranked Alabama versus defending national champion LSU, was postponed on Tuesday after LSU reported multiple COVID-19 cases.Maryland, who was scheduled to take on Ohio State, reported eight COVID-19 cases among its players.For schools with multiple coronavirus cases, a key issue is contact tracing and quarantining close contacts of those positive with the virus. The CDC recommends that anyone who has been within six feet for 15 minutes of someone infected with the virus to quarantine for up to two weeks.Texas A&M athletics direct Ross Bjork said contact tracing was a significant factor in postponing its game against Tennessee this weekend.“The nature of away game travel (flights, meals, lodging, locker room, etc.) naturally leads to an increase in the number of student-athletes, coaches and staff who meet the criteria for mandatory quarantine based on contact tracing guidelines,” Bjork said in a statement. “We are asking everyone around our university community to stay vigilant and follow all of the safety protocols and best practices as we approach the end of the fall sports seasons.”Here are the games postponed or canceled this weekend:No. 1 Alabama vs LSUNo. 3 Ohio State vs MarylandNo. 5 Texas A&M vs TennesseeNo. 12 Georgia vs MissouriNo. 15 Coastal Carolina vs TroyNo. 24 Auburn vs Mississippi StateMemphis vs NavyAir Force vs WyomingUL-Monroe vs Arkansas StateGardner Webb vs CharlotteNorth Texas vs UABRice vs Louisiana TechPittsburgh vs Georgia TechCalifornia vs Arizona StateUtah vs UCLA 1988

The calendar just turned to November but some companies are already in the Christmas spirit. Starbucks and McDonald's have already released their 2017 holiday cups.Starbucks scrapped its traditional red design for a DIY cup. There's a stack of presents, a Christmas tree, doves, two people holding hands and lots of white space. Customers are encouraged to color the cups themselves.  412