Originally Posted by
Andeh
I just spoke to my insurance agent (Farmers), who happens to also be a mountain biker. He said that until recently, there was no distinction, but about a year ago they started splitting out coverage for ebikes and electric motorized vehicles depending on the classification into personal property. He said different rates depending on Class 1 / pedal assist vs. electric throttle types (Surron). He said the personal property coverage for my Class 1 ebikes as long as they're in my possession (home, auto, or while I'm using them) is $125/yr. Seemed like good value to me considering how freaking expensive these things are. Thanks again for the prompt to look into this.