Bike insurance

It's a good idea? ;)

There's been lots of discussion about it...


Check your home policy... Some home/content polices include e-bikes as "exercise equipment" (we have coverage this way with our provider here in Canada).
 
When I got our ebikes I called my agent (like a good neighbor, she was there!)

Regardless of loss from van or home garage, they are covered, but $1600 deductible applies. This is on $8500 worth of bikes.

She quoted me a personal property policy with $0 deductible . . . $630 per year. I told her thanks, but no thanks.
 
I have a 1K bike. Is anyone going to offer me insurance for that?
 
My concern is whether my homeowners liablity covers me if I'm deemed responsible for a ebike or bike accident. My State Farm guy said I'm covered to $100K for liability, $1000 for property damage to others, and have a $3000 deductible on theft. I also have an umbrella policy. I guess I better not run a Tesla off the road with my $500 ebike.
 
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