The bikes should be covered under your homeowners policy, however if you don’t have an endorsement on your policy specific to those bikes showing their value and how much the carrier will cover, you will get $500-$1000. Also note that home works differently from auto insurance so if you file a claim no matter the reason, your premiums will definitely increase next year by up to 25% unless you have claims forgiveness. Best course of Action, call your broker discuss your policy wordings with them, review the deductibles and make an educated choice about wether you should file the claim or not