Check any potential insurance carrier regarding theier coverage of helmets and other gear -- found out, to our dismay, this spring, that American Family doesn't cover gear at all.
I imagine this varies from state to state, like most other things to do with insurance. . . . . it pays to ask the question
"Here is your country. Cherish these natural wonders, cherish the natural resources, cherish the history and romance as a sacred heritage, for your children and your children's children. Do not let selfish men or greedy interests skin your country of its beauty, its riches or its romance.” T.R.