Does homeowners insurance cover stolen dirt bikes?

Homeowners insurance typically covers theft of personal belongings, including bicycles. However, coverage may vary depending on the policy and the circumstances of the theft. It's important to check with your insurance company to determine if your dirt bike is covered and what specific conditions apply.

Some homeowners insurance policies may have limitations or exclusions for certain types of high-value items, such as dirt bikes. In such cases, you may need to purchase additional coverage, such as a personal articles policy, to ensure your dirt bike is adequately insured.

Additionally, some insurance policies may require that certain precautions be taken to prevent theft, such as keeping the dirt bike in a locked garage or shed when not in use. Failure to take reasonable steps to prevent theft could affect your coverage.

To ensure your dirt bike is adequately covered, it's important to provide your insurance company with an accurate description of the bike, including the make, model, serial number, and estimated value. You may also need to provide proof of ownership and photographs of the bike.