My garage burnt down last night. My yz 250 parished in the fire along with everything else. Tools, pedal bikes, sled motor, stereos, much much more. My 230 is good to go, as it was out side.
I wouldn't be as pissed if was a Suzuki, honda, or KTM, being its a Yamaha.... That's what sucks. Not sure how your coverage works for you in your neck of the woods, but separate coverage for out buildings and/or personal property is a must here.