^+1 to comprehensive, I figure if I wreck my bike I was being stupid and deserve to pay for it but if a tree falls on it in the parking lot, what can you do?

 

I live in a condo, so my bike is locked to a pole. If however it were stolen i wouldn't lose sleep over it. With the insurance coverages I have, if the bike gets stolen, my loan is paid off and if it isn't recovered within 30 days, I get a 5,000 dollar credit at the dealership of my choice towards a new bike.