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@andyp
As the owner of 6 bikes currently I agree. But finding a house insurer who'll a) cover us due to perceived flood risk (even though the last recorded flood here was in the 1950s) and b) will also cover bikes proved to be tricky.
Most of my bikes are covered for theft from the house. The only bike I have that ever gets left locked up away from the house for any period of time is my commuting/town bike so I put money aside to cover the theft of that.