Another tip, for you renters out there with nice bikes, is to make sure you 
have renter's insurance. It's cheap. Most policies will cover the 
replacement cost of stolen property, even if it is stolen away from you 
home. It's really the only way you're ever going to get you bike "back," if 
the worst thing happens. I'm not sure if homeowners can get the same sort 
of coverage?

I had my ortlieb bag of winter commuting gear stolen one night last year, 
after I foolishly left it outside briefly in a high theft area of chicago 
after work. I'm almost embarrassed to admit that the replacement cost of 
all my wool gear, work stuff, and bike stuff added up to over $600. It's 
just crazy how much you haul around in the depth of Chicago's winter. 
Anyway, it was nice to be able to pay my small deductible and get a whole 
new kit. Happened to me once with a different bike theft (Gunnar mtb). 
Renter's insurance is a good deal. 

Kevin 
Chicago, IL

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