The Netherlands here. Homeowners insurance usually only covers bike theft when the bike is actually stolen from inside the home or garage, and there must be entry damage to prove this.

If you want to to insure against bike theft, you need a separate form of bike insurance. They generally have no deductible, though.

But it's usually not worth the effort. Daily-use bikes are too cheap to worry about, and expensive racing bikes / mountain bikes never leave your line of sight while outside your home.