I am a bike commuter without a car in California, that seems to be such an unusual combination that it is difficult to find insurance.
I have health + disability insurance, my bike is worth less than $1000. I don't own property and don't have a homeowner's or renter's insurance, nothing worth to steal.
I'd like to get liability protection for the case that I cause an accident.
What type of insurance do I need? Am I overlooking something else I need to insure against?
I talked to a couple of insurance companies (Allstate, Farmers, Geico) and asked for umbrella insurance, all of them were initially very dismissive of the idea to insure someone without a car. All three told me on the phone there was no way to get a non owners auto insurance, they absolutely needed the type of my non-existing car and the VIN. They also told me that you cannot get umbrella insurance if you don't have auto insurance.
I doubt this, but that was the reply.
I then looked into renter's insurance, and that does indeed cover liability for bike accidents, they confirmed this on the phone.
I found an insurance broker, who offered me renters + umbrella for $655 per year. State Farm has a very high liability renters insurance for about $250 per year, both 1 million coverage.
I am still doubtful if 1 million liability coverage is enough.
In Germany you are required by law to have at least 7.5 mio Euro coverage for personal damage and 1 mio for property damage if you have a car, but that is the absolute minimum. Most insurance policies have a limit of 100 mio Euro.
In principle the required product seems to be a renters insurance, or a non-owners car insurance for people who occasionally drive. The problem is that the insurance companies don't have much experience with the car-less cyclist and can't help much choosing the right product.