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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 and the renewed focus on systemic economic inequality in our country are bringing new attention and support to community-based nonprofit lenders.Community development financial institutions, or CDFIs, focus on rural, low-income and minority communities.Around 300 CDFIs made more than billion in Paycheck Protection Program loans to help small businesses, many of which had been left out previously.By comparison, JPMorgan Chase, which is nine times the size of the entire CDFI industry, made only four times the amount of PPP loans.“Many CDFIs we are in many ways like small businesses, we didn't come into this situation strong in terms of our capital,” said Luz Urrutia, CEO of Opportunity Fund. “Now more than ever, during the rebuilding, we've got to have the balance sheet strength because we are supporting these low-income communities, small businesses and communities of color.”Opportunity Fund is one of those CDFIs. It's been raising millions of dollars since March, specifically to help minority, immigrant and women-owned businesses.Serena Williams and MacKenzie Scott have both donated recently. But there are questions about how long all the support these nonprofit lenders have been getting will last.“What I would say for the minority-owned businesses right now, timing is perfect and when timing is perfect, you need to strike while the iron is hot,” said Maurice Brewster, CEO of Mosaic Global Transportation. “And right now, there's a lot of support, a lot of ground swelling with dealing with small and minority-owned businesses.”Maurice Brewster’s business received loan payment deferral from Opportunity Fund during the pandemic. His advice for other minority-owned businesses: if you can, have a relationship with a lender way before you need the money.He says education is also going to be key for minority-owned businesses going forward.That financial coaching is something opportunity fund is pushing for too, along with more money from congress to support CDFIs. 2026

The City of Columbus took down a Christopher Columbus statue from in front of City of Hall on Wednesday, removing what Mayor Andrew Ginther called a symbol of “patriarchy, oppression and divisiveness.”Ginther announced the decision to remove the statue on June 18."That does not represent our great city, and we will no longer live in the shadow of our ugly past,” Ginther said. “Now is the right time to replace this statue with artwork that demonstrates our enduring fight to end racism and celebrate the themes of diversity and inclusion.”The statue, which was a gift from the people of Genoa, Italy, in 1955, will be placed in safekeeping at a secure city facility. The city asked the Columbus Art Commission to launch a community-driven process that embraces diversity. This process would determine how to best replace the statue while evaluating other monuments and art installations on their diversity and inclusiveness.The Arts Commission will also help determine the final disposition for the statue, working with the community to determine, in the proper context, if it should be displayed elsewhere to help future generations understand the ongoing conversations about racism and why leaders ultimately decided on its removal.“By replacing the statue, we are removing one more barrier to meaningful and lasting change to end systemic racism,” said Ginther. “Its removal will allow us to remain focused on critical police reforms and increasing equity in housing, health outcomes, education and employment.”This story originally reported by Kaylyn Hlavaty on news5cleveland.com. 1597

The Charlotte area is getting inundated with rain. You can see a car submerged along Freedom Drive. @FOX46News pic.twitter.com/TNwIL2MAT8— Derek Miloff (@Dmiloff) November 12, 2020 188

The calendar is about to flip from April to May, and normally storm chasers are flooding Tornado Alley to get a glimpse at the power of Mother Nature. But so far in 2018, there has not been much to chase. According to the National Weather Service, the state of Oklahoma, which is in the heart of Tornado Alley, has gone the entire year so far without a single confirmed tornado touchdown. Not since before 1950 has Oklahoma gone the first four months without a single tornado touchdown. By the end of April, the state would have averaged 17 tornado touchdowns. Last year, 13 tornadoes had touched down by the end of April. In 2016, there were 27 touchdowns in the month of April alone. In 2012, there were 54 confirmed touchdowns in April. The state of Kansas has also gone the entire year without a tornado. According to National Weather Service data, the state averages 12 tornadoes in the month of April alone. "On the whole, across the United States, we have seen around half the number of eyewitnessed tornado reports that we would normally expect by this time of year," Dr. Patrick Marsh, a meteorologist at the Storm Prediction Center, told CNN. Meteorologists are blaming, or crediting, a jet stream pattern that has sent big snow storms into the Upper Midwest for the decreased number of tornadoes. The pattern has prevented warm moist air from setting up in the Plains, which has cut off any fuel for potential tornadoes. According to the Storm Prediction Center, the upcoming weekend appears to void of any major severe weather outbreaks. The next potential for severe storms could setup in the Plains on Tuesday and Wednesday.  1692