Do you own an e-Bike?

🚲 Think Your Homeowners Insurance Covers e-Bikes? Think Again.

With e-Bikes becoming more popular—especially among younger riders—many people assume they’re covered under a standard homeowners policy. Unfortunately, that’s often NOT the case.

⚠️ What You Need to Know:

• Most homeowners policies exclude motorized vehicles, including many e-Bikes
• If your child is riding an e-Bike and causes an accident, you could be responsible for:
 – Bodily Injury (BI)
 – Property Damage (PD)

• Damage to the e-Bike itself?
 – No Comprehensive or Collision coverage under homeowners

💡 Why This Matters:
Many e-Bikes can reach high speeds and are being used by young riders who may not fully understand the risks. One accident could lead to significant out-of-pocket costs.

✅ What You Should Do:
Talk to your insurance agent about proper coverage options—there are policies designed specifically for e-Bikes and similar vehicles.

📞 Have questions? We’re here to help.  949-791-1300