For around three hundred dollars a year I have full coverage insurance on the bike and trailer. You also have three thousand dollars of accessory coverage according to the Agent. Lost an accessory on the way to the Rally last week. About $148 worth and turned a claim in this morning. Sorry, you didn't read the fine print, all accessories must be permanently attached. Well guess what Progressive, your --- is going to be permanently deleted before my next ride. I have a good agent and she was caught off guard by the finely buried print as well. Lost or stolen helmets are not covered either. Ok, I'm done ranting, my fault for taking the agents interpretation of the coverage. Any suggestions would be appreciated.