@Joe8 @Gerry-And-Rashid0 Hi there Joe....further to a respose post I did yesterday. I am assuming that sharecover type insurance in America will be similar to that offered in Australia....in fact it would in all probability be more restrictive owing the the litigeous nature of American society!
Further to my post yesterday I have had a response from my sharecover insurer and they confirm what I have already said in my last post.
Activities that a guest would be involved in are only covered on the insured property.....No cover exists beyond the extremities of the insured space. So there you go, lock the bikes away Joe, it looks like you will leave yourself open to risk if you let guests use them!
I am now going to remove that sentence relating to bicycles from my description page and I thank you once again for bringing that point up.
As a further point Joe, guests who injure themselves through their own neglegence on you property will also not be covered by liability insurance. To put that in its most ridiculous perspective, If a guest is on your balcony and the balcony collapses through no intervention on the guests part, injuring the guest they would be covered....If they climbed the railing and jumped off the balcony and injured themselves, they would not be covered. I guess where the grey are comes in, if a guest slips over on your bathroom tiles, to what extent was the guest responsible....was he just simply drying himself in a normally consistent manner, or was he trying to leap into a bath full of water!!
Insurance is full of grey areas Joe but, thanks to you my guests won't get to park their butt on my bikes!!!! Cheers....Rob