My kids bought me a 2020 rad step thru fat tie for fathers day... which arrived 4 weeks ago... loved it.. past tense because two weeks ago it was stolen out of my garage.  two lessons learned..One: LOCK your bike even in your garage. TWO:  home onwners insurance covered it after deductible but will increase my premium 45% for three years... NOT a good deal... BUT i did find bike insurance for $103 per year that covers everything including damage.. google bike insurance  i am using Markel insurance... FINALLY on my new bike I added bike alarm amazon $16 and the $109 arbus lock and to protect my newcloud 9 seat a $6 combination 6 foot cable lock that I  hook under the seat and around the frame to always secure the seat and use it to easy lock in garage and fast stops where the arbus takes too long. Ride Safe and Protected