New York E-Bike Insurance

Whether you’re in Brooklyn or Buffalo, New Yorkers everywhere are searching for affordable, reliable electric bike insurance. If you own an electric bicycle and you’ve tried to insure it already, you may have noticed a few things like:

• Your renter’s insurance doesn’t cover the full value of your e-bike
• Your homeowner’s insurance doesn’t cover the full value of your e-bike
• Your renter’s or homeowner’s insurance policies only offer partial coverage
• Your other insurance policy premiums, including umbrella insurance, went up after you made an e-bike claim

Well .. we’ve noticed those things, too — and quite frankly, we think that’s kind of lame. This is why it’s important to explore New York electric bike insurance claims before locking into a policy.

Even if your renter’s, homeowner’s, or umbrella insurance coverage might dispense partial benefits if your e-bike is stolen or damaged inside your apartment or home, doesn’t mean you (the cyclist) are protected. We don’t like to get negative, but let’s imagine a few scenarios that many e-bike owners experience.

You take your e-bike out for a coffee run. You lock up your electric bike, go inside to grab that cup o’ joe, come back, and then your e-bike’s battery is stolen

You get a flat tire and need to call roadside assistance for a lift to the bike shop

You’re out on a nice Sunday cruise, riding in the bike line, and you get clipped by a taxi

Each of these scenarios isn’t super fun to think about, but they can (and most certainly do) happen. Unfortunately, if you think you’re covered by your renter’s or homeowner’s insurance policies, it’s time to think again.

Only e-bike insurance policies are designed to protect your electric bike AND you as the cyclist, regardless of whether you’re at home or not. Plus, e-bike insurance policy rates won’t go up if you make a claim.