The concern is not really ( for my part) insuring the bike itself ,as making sure there is enough third party cover incase ought goes wrong against said third party .
It would appear they have no shortage of lawyers in USA . If you have nought here, then the risk is less ( as in
, they can't recover ££££££££££££ from you if you ain't got it .)
If however you have any Asset worth ,,, you must have good 3rd party ins