Is My Electric Bike or Scooter Covered By Insurance?

An electric bike, ride-on toys, and scooters can be a fun and convenient way to get around. But, you may be wondering if they are covered under your home insurance policy. The answer depends on the specifics of your policy and the type of damages or injuries that occur.  

In general, home insurance policies provide coverage for personal property, including items like electric bikes, ride-on toys, and scooters. This means that if these items are stolen or damaged while at your home as a result of a covered event, such as a fire or natural disaster, your home insurance policy may provide coverage for their repair or replacement. 

However, home insurance policies generally do not cover damages or injuries that occur while using these types of items. This means that if you are involved in an accident while riding an electric bike, for example, your home insurance policy is unlikely to provide coverage for any resulting damages or injuries. 

Protect yourself and your personal property while using electric bikes, ride-on toys, or scooters. It’s a good idea to consider purchasing separate insurance coverage. Some insurance companies offer specialized coverage for these types of items. Including liability coverage for accidents or injuries that may occur while using them. 

Overall, it’s important to carefully review your home insurance policy. Understand what is and is not covered when it comes to electric bikes, ride-on toys, and scooters. By understanding your coverage options, you can ensure that you and your property are properly protected. So, it is always better to be cautious and take necessary measures to keep yourself and your property safe. 

If you have any other questions about insurance coverage for your electric bike or electric scooter, give us a call at (330) 723-9320.