maybe it is something I need to look into or maybe there’s some specific bike insurance I can look into as that’s the main item I’m worried about.
Contents insurance on its own isn’t too expensive. Just make sure the policy covers a bike (make sure to list it) and ensure your policy covers the storage cage that is in the basement, in writing from the insurer. Then you should be good to go. Note if you list something, then that deducts from your sum insured for everything else. So if your sum insured is $30,000 and your bike is $1,000, and you list your bike, then the bike is covered for $1,000 and the rest of your contents is covered for $29,000, less the excess. Just something to be mindful of. Best of luck!