I specifically asked my insurance agent and a personal injury lawyer why a bike accident that damages a car is covered under a HO policy. They both said the bike, because it is stored within the house, is part of the house, just like a shingle on the roof that falls off and hits someone on the head.
If a bicycle can be operated across town and do damage to a car and the HO policy covers that damage, I would like to know why the damage a snowblower causes does not fall under that same coverage? Anybody?
Being an avid cyclist who rides next to Lamborghinis and Ferraris every weekend I have asked numerous insurance agents that question over the years and get the same answer every time...that the damage my bike causes is covered by my HO policy.