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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 Democratic-controlled House has approved a wide-ranging defense policy bill, even as President Donald Trump renewed his threat to veto the bill unless lawmakers clamp down on social media companies he claims were biased against him during the election. Trump tweeted Tuesday he will veto “the very weak National Defense Authorization Act,″ or NDAA, unless it repeals so-called Section 230, a part of the communications code that shields Twitter, Facebook and other tech giants from content liability. Trump also wants Congress to strip out a provision of the defense bill that allows renaming of military bases that now honor Confederate leaders. The defense bill now goes to the Senate. 699

The European Union is to propose ending twice-yearly clock changes after a large-scale public survey, European Commission President Jean-Claude Juncker said Friday.According to Juncker, more than 80% of EU citizens want to abolish daylight saving time and instead remain on the time used during summer instead.At the moment, each EU member state puts clocks forward one hour on the last Sunday of March and back again on the last Sunday in October."This debate about summertime, wintertime has been around for many years here," Juncker told German broadcaster ZDF."Many people are contributing to this debate. We did a survey, a public survey. Millions responded and think that in the future we should have summertime all year round. So that's what will happen.""The people want this; we will do this," he said.For any change to go into effect, legislation must be drafted and win approval from the 28 member nations and the European Parliament.One of the chief critics of daylight saving time has been Finland, which has one of the most northerly capital cities in the EU.Over 70,000 Finns signed a petition last October to urge the government to move away from daylight saving time.For Finland, the plan is also complicated by the fact it shares borders with non-EU states Russia, Belarus and Ukraine, all of which scrapped daylight saving time in 2011.Those in favor of the time change say the extra light in the morning during standard time and and additional evening light in summer can help prevent road accidents.The-CNN-Wire 1540

The COVID-19 pandemic has been a difficult and stressful time for families, but we're seeing one silver lining when it comes to fathers and their kids.Nearly 70% of dads in a recent study from the Harvard Graduate School of Education say they're feeling closer to their kids right now.The dads have had to be home more than usual, but one of the people involved with the study also believes it's helping that dads may be less distracted with work than they usually are.Also, parents' social lives have changed, so they're doing things with their kids they may have done with their friends previously.Dads in the study say they're also getting to know their kids better. More than half say they're spending more time talking to their children about things that are important to them.“I think we're all better parents when we know our kids better,” said Richard Weissbourd, who directs the Making Caring Common Project at Harvard. “I mean it's respectful to enable our kids to really speak, but we also learn a lot about them and it deepens our relationships with them and it also helps us I think in being mentors and guides to them when they make key decisions in their lives.”The Making Caring Common Project is a national effort to make moral and social development priorities in raising kids.Weissbourd is worried there will be a strong pull to return to our normal lives and dads' relationships won't continue in the same way.But you can take steps now to keep those bonds.“I really encourage fathers to establish rituals and routines with their kids now, like if you're going for a walk every weekend with your kid, continue doing that even when the pandemic is over,” said Weissbourd. “If you're playing games with your kid, develop a ritual around playing games with your kids or activities.”He says more fathers are also watching TV with their kids and talking with them about what's going on in the world surrounding the pandemic and the protests. He's hopeful that ritual will continue too. 2008

The congregation of First Baptist Church of Sutherland Springs held a service on Sunday, one week after a gunman opened fire in the church, killing 25 people and an unborn child in the deadliest mass shooting in Texas history.Sunday's service was held just a few blocks away from the church beneath a white tent on a baseball field, closely guarded by Texas Department of Public Safety agents, sheriff's deputies and emergency management officers. 475

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