Do you need e-bike insurance?

What type of insurance do you need for your electric bike?

Most states treat e-bikes as bicycles, so you typically don't need liability coverage or other kinds of insurance that states usually mandate for cars, motorcycles, and other vehicles. However, e-bikes can be expensive to replace, so having dedicated coverage in the event yours is damaged or stolen may be worth it to you.

An e-bike insurance policy may cover:

• Liability: If you injure someone or damage their property while riding your e-bike, your policy may cover their medical bills and pay to repair or replace their property — up to your policy's limits.
• Collision damage to your bike: Some e-bike policies include collision coverage, which can pay to repair or replace your e-bike if it's damaged in a collision with a vehicle or stationary object.
• Theft & unexpected damage to your bike: Policies that include comprehensive coverage can also repair or replace your bike if it's stolen, lost, or damaged due to fire, falling trees, and other unexpected damage.

Do homeowners and renters insurance cover e-bikes?

Homeowners insurance and renters insurance may cover damage to your bike, as well as theft, but coverage may be limited to when your bike is at your home and your policy may indicate a sublimit for e-bikes and/or a deductible. If your bike is stolen or damaged while you're riding, you may need e-bike insurance to be fully covered.

Why is e-bike insurance important?

Since your homeowners or renters insurance may not extend to when you're using your bike, an e-bike insurance policy can fill this important coverage gap. It's especially important to consider if you rely on your bike for transportation since you'd have to pay to repair or replace it out of pocket if something were to happen to it while riding.

Quote e-bike insurance for peace of mind^*