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Understanding Liability Coverage for E-Bike Operations Under Homeowner’s Insurance

cyclist on empty road

In recent years, the popularity of electric bikes (e-bikes) has surged, with nearly 800,000 units sold in 2022, surpassing the sales of motorcycles. E-bikes have become a common mode of transportation in urban areas, often used on public roads. However, a misconception persists among e-bike owners regarding liability coverage under their homeowner’s insurance policy.

Many individuals erroneously assume that since e-bikes are considered “bicycles” and are typically not required to be registered with the state, they automatically have liability coverage under their homeowner’s policy. It’s essential to clarify the concept of liability coverage, which pertains to property damage or bodily injury caused to a third party while the insured party operates the e-bike.

Consider a scenario where an individual is riding their e-bike on a public street and their actions lead to a motor vehicle accident, resulting in harm to someone else. Unfortunately, because e-bikes are motorized vehicles, they are typically excluded from coverage under standard homeowner’s policies. However, they also do not qualify for coverage under auto insurance policies.

We recommend individuals who own e-bikes investigate whether their insurance company can endorse coverage to their homeowner’s policy to ensure adequate protection. If this is not an option, purchasing a separate policy specifically designed to cover e-bike-related liability may become necessary. Such insurance would treat e-bikes similarly to motorcycles, golf carts, or ATVs when operated away from the insured’s premises.

E-bike owners can engage in discussions with their current insurance agents to better understand and address this potential exposure. Insurance companies may offer specific policies or endorsements tailored to cover liability arising from e-bike usage. Seeking advice from insurance specialists, such as those available at SignatureFD, can assist in ensuring that assets are adequately protected.

As the popularity of e-bikes continues to grow, we believe owners should proactively address insurance considerations to mitigate potential liability risks. Clarifying coverage options with insurance providers and exploring dedicated e-bike insurance policies can help you enjoy your e-bike with the peace of mind that comes from adequate protection in the event of unforeseen incidents.

Do you have questions about your property insurance coverage? Contact Maria McCool, director of P&C insurance, at

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