In the event of an accident, owners of e-bikes, scooters, and other micromobility devices could be held liable for damages and the injuries, disabilities or even deaths of others.
Most Homeowner policies exclude liability coverage when e-bikes or other micromobility devices are used way from the residence premises especially travel on public streets or roads. This also applies to ATV's as well.
A solution to cover this gap is to purchase a motorcycle policy. We also recommend anyone who owns these type of devices purchase an Umbrella liability policy as well.