Generally mountain bike insurance is quite rare to find, either that or else way above priced. The foremost drawback is that high priced mountain bikes are scoped-out by thieves, and are easier to steal and get rid of than a car or motorcycle for instance - which tends to render the insurance companies quite cautious of insuring them for a more affordable premium.

Generally home insurance policies will shell out out if your mountain bike is robbed from your front balcony or garage, but ordinarily they'll have a top figure payout well beneath the second hand price of even a median priced well equipped mountain bike. Often their highest default price is around the cost of an entry mountain bike.

To insure your mountain bike for a elevated price, you'll most likely be able to call your insurance company and state a more realistic price if you've got a much more expensive full suspension, totally tricked out mountain bike. Bear in mind however, that almost all insurance companies, even after the price is named as several thousand dollars, will simply disburse out an appraised valuation of your mountain bike, even if its in almost new condition. To get around this, you'll probably need to obtain an insurance company within your state which offers devoted mountain bike insurance. The policies are usually rather expensive to purchase, however, if something happens to your mountain bike you will be glad you purchased the extra insurance.

In addition to a home based insurance policy, a mountain bike insurance policy should also be purchased if you are planning on leaving the country or traveling out of state to do your riding.