Curious- bike insurance these days

Hi All,
I have a quick question. Not so new topic but times change and I wanted to see what was important to people these days. Other than lose or theft, as well as maybe hit and run (sorry for sounding so callous), but other than those things, what does an avid/serious biker bicyclist look for as far as 'additional' bike insurance? Or is that even a consideration? I mean so much thought is put into the purchase, the material (light weight and I guess flexible? I dont know) , training etc ... the list goes on and on . Insurance has got to be a big factor ? Right? I know auto insurance and/or homeowners insurance , but when you've got something going on , say out of state or out of country, what then?