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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 Flores family has been farming dates for three generations.For the past few years, Marco Flores, owner of San Marcos Date Farm, says he’s seen major changes in temperature and weather patterns.“It’s drier than it used to be,” he said of the land his father bought in California’s Coachella Valley more than 55 years ago. “It used to be a lot more moist before.”These are conditions his 300 fruit-producing palm trees don’t like.“Sometimes there’s no rain,” Flores said. “The impact of climate change is definitely doing something to them.”Similar concerns are being expressed across the planet.“Climate change is impacting agriculture and farmers abilities,” said Paul Minehart of the Syngenta Group, a global agricultural innovation company.Minehart’s team recently published a study showing 72% of farmers they interviewed from around the world are worried about climate changes impacting crop yields.“It’s coming down to, especially in the United States, is the unpredictable weather patterns that are beginning to emerge,” he said.Minehart says those unpredictable weather patterns include unusual droughts and flooding in America and extremely arid conditions in other countries. Conditions that could impact farmers production and profits.“If you have fewer crops than the price could go up,” he said. “That could impact the overall cost of producing food and then at the consumer level buying the food.”Marco Juarez is the third generation of Flores farmers at San Marcos Date Farm.He says while using more water could cause his family to raise their prices from a pound for dates, there’s another growing concern: getting skilled workers to take a job in this heat.“I don’t think anyone really wants to work in this,” he said. “It slowly drives people away. I mean, who wants to be here in 120 degrees?” 1826

The Dow Jones Industrial Average closed at a record high Monday, erasing the last of its pandemic losses, after a second drug company announced encouraging progress on developing a coronavirus vaccine. The Dow Jones closed at 29,950, topping the previous record set back in February. The Dow Jones has completed a long comeback after losing nearly 35% of its value over the course of six weeks during the onset of the coronavirus pandemic. While the Dow rallied at the end of spring and start of summer, the markets were sluggish in their recovery until the start of November. The S&P 500 added to the record high it reached last Friday. The Dow rose 1.6% and the S&P 500 added 1.2% after Moderna said its COVID-19 vaccine appears to be 94.5% effective, according to preliminary data. It comes just a week after Pfizer and BioNTech gave similarly encouraging numbers about their own vaccine candidate. Stocks of companies that would benefit the most from the economy climbing out of its recession led the way higher. 1032

The first round of the NFL Draft got underway Thursday evening and Oklahoma quarterback Baker Mayfield was selected as the first overall draft pick by the Cleveland Browns. Mayfield will likely take over as Cleveland's starting quarterback in the fall after the Browns finished the 2017 season with a winless 0-16 record. Mayfield was a three-year starter at Oklahoma after starting one season for Texas Tech. He threw for 131 touchdowns over his four collegiate years, which is fourth all time in NCAA Division I history. According to most NFL Draft experts, five college quarterbacks will likely be selected in the first round on Thursday. The group includes USC's Sam Darnold, Oklahoma's Baker Mayfield, Wyoming's Josh Allen, UCLA's Josh Rosen and Louisville's Lamar Jackson.  807

The death toll from a series of wildfires in western states rose sharply Thursday evening, and officials expect more casualties and damage in the coming days.A total of 17 people have been killed in wildfires in California, Oregon and Washington in recent days. More than 100 fires are currently burning throughout 13 western states.On Thursday evening, officials with the Butte County Sheriff's Office in California announced that seven more people had died in what is now known as the North Complex Fire, according to ABC News. That brings the death toll from that particular fire up to 10, with 16 people still missing.ABC News also reports that one other person died Thursday in the Slater Fire, which is currently burning in Siskiyou County, California.A total of four people have been killed in a series of wildfires in Oregon in recent days. One person died Thursday in the Almeda Fire in the southern part of the state, bringing the total death toll to two. Two others died in a wildfire near Salem on Wednesday.In Washington, a 1-year-old boy was killed by the Cold Springs Fire, which is currently burning in the northeast part of the state.USA Today reports that more than 500,000 people in Oregon have been forced to evacuate due to the wildfires — more than 10% of the state's population. Many of the fires burning in Oregon are currently 0% contained — further threatening forest, 900,000 acres of which have already been burned in the state. That's more than double what typically burns in an entire year.“We have never seen this amount of uncontained fire across the state,” Oregon Gov. Kate Brown said Thursday.The New York Times reports that officials in California, Oregon and Washington are struggling to find the manpower for fighting the fires, as nearby states deal with their own outbreaks of wildfires.On Thursday evening, President Donald Trump approved an emergency declaration for the wildfires in Oregon, which allows FEMA and the Department of Homeland Security to coordinate disaster relief efforts. 2038

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