Electric bikes, or e-bikes, are covered by bicycle insurance. It helps protect cyclists and their e-bikes, which is valuable if you’re looking to ride farther, faster and longer. You can customize your policy, whether you ride for transportation or recreation. It can include coverage for things like crash damage and injuries.

An auto, condo, homeowners, or renters insurance policy may provide some protection for your e-bike. Standard home insurance policies include personal property coverage, which may help pay to repair or replace your e-bike if it’s damaged in a covered loss or stolen from either your home or a public location.

Most states regulate e-bikes as regular bicycles, which means that there are no insurance requirements. Still, e-bike laws vary from state to state and change over time, so it is important to know the laws in your state. Regardless of whether insurance is mandated in your state, insuring your e-bike may be a smart decision.