Same here Shannons, I have my road bike covered for replacement value the price was better than the other companys. I also have 3 of my old garage queens insured for $8000 each. The first was around $60 and then the price drops down for each additional bike covered the other insurance companys would not cover any of the unregistered bikes.
If they are damaged or stolen while garaged, or away from home or even traveling they are fully insured. Zane