Insurance for your E-Bikes, Golf Carts & Other Recreational Devices

With more households using e-bikes, golf carts, scooters, and other motorized devices for recreation and transportation, it is increasingly important to understand whether these items are covered under existing personal insurance policies. Many owners are surprised to learn these items may have limited or no coverage under a standard homeowners or auto insurance policy.

These devices can create unexpected exposures because:

·       Liability claims can arise from injuries to others

·       Battery-related fire risks have received increased attention

·       The devices may be vulnerable to theft

·       Usage on public roads or sidewalks may violate local ordinances

Potential Claim Scenarios

·       An operator collides with a vehicle at an intersection

·       An operator injures a pedestrian while riding on a sidewalk or trail

·       A recreational device is stolen from a garage or bike rack

·       A child lets a friend ride their device and the rider crashes, resulting in serious injuries and potential liability for the family

Review Your Coverage Before an Accident Happens

As these recreational devices become more common, insurance policies may not automatically keep pace with the exposure. Coverage depends on the policy, carrier, how the device is classified, and how and where it is used. 

If you own an e-bike, golf cart, hoverboard, ATV, or other recreational vehicle, our team can help review your policies and identify potential coverage gaps before a loss occurs.