My Home owners insurance had a “Sports package” I could add that added an additional 20k in coverage for itemized things. I had to identify anything over 3k of value (bikes) up front and they are covered in the event of theft, wrecks, or damage outside of the house.
Oddly enough, it won’t cover it if they are stolen from my house. That would fall under my normal ownership coverage and subject to the normal deductible.
the additional coverage costs me 121 bucks a year