In a city built around a campus, a bicycle is transport rather than recreation, and bicycle theft is one of the most common losses a Tempe tenant will actually have.
A stolen bicycle is a contents claim wherever it was taken from. The deductible usually decides whether it is worth filing.
Three things about the most likely claim a student tenant will have.
A bike stolen from a rack on campus is covered under off-premises personal property, subject to your deductible. The cover is real; the deductible is the problem. Against a five hundred dollar deductible, an ordinary bicycle claim returns little or nothing.
Scheduling it individually gives an agreed value, usually covers loss as well as theft, and frequently removes the deductible entirely. For anything beyond a basic commuter that is the difference between notional cover and real cover.
A photograph, a receipt and the serial number make a bicycle claim straightforward and make recovery possible. Without them it is a description and a hope.
Cover sized for what students actually lose.
The threshold is lower than people assume once the deductible is considered.
Bikes, laptops and phones are the common claims and they are all modest.
Serial numbers and photographs, kept somewhere other than the apartment.
Tell us what the bike is worth and whether you have the serial number.
We schedule the bike if it is worth more than your deductible.
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