Reading through discussions here, I saw a few folks mention insuring their trikes. Called my HO insurance company and they're able to add it as a "floater" on my policy. $70 a year. Two major advantages: 1) no deductible (instead of the $500 policy ded) and 2) it's now covered for all risks without any exclusions. All I need to do is send/fax my receipt. Seems well worth the $.