Often, in the US, your normal home-owners/renters policy has some level of umbrella liability coverage. Check with your plan to be sure.
The problem is (IMO) e-bikes that are more "motorcycle" than "bicycle". Which includes a massive number of the kits.
There currently is no national framework for classifying e-bikes. There's the 3 tier system that some industry groups use, but it directly conflicts with most state's moped/motorcycle regulations.
Safe bet for an e-bike is a "class 1" bike from a major brand. 20mph cap, no throttle, the most "bicycle" of the 3.
Class 2 bikes keep the 20mph cap, but add a throttle (don't need to pedal). This probably makes it a moped or small (50cc) scooter in some states.
Class 3 removes the throttle, but bumps the top speed to 28mph. Again, this speed probably makes it a moped or scooter (or possibly even a full motorcycle).
And then there's the e-bikes that are more motorcycle than bike. 30+mph, powerful engines, and the pedals are truly vestigial. Supe73 and Surron bikes fall in this category.
The problem is (IMO) e-bikes that are more "motorcycle" than "bicycle". Which includes a massive number of the kits.
There currently is no national framework for classifying e-bikes. There's the 3 tier system that some industry groups use, but it directly conflicts with most state's moped/motorcycle regulations.
Safe bet for an e-bike is a "class 1" bike from a major brand. 20mph cap, no throttle, the most "bicycle" of the 3.
Class 2 bikes keep the 20mph cap, but add a throttle (don't need to pedal). This probably makes it a moped or small (50cc) scooter in some states.
Class 3 removes the throttle, but bumps the top speed to 28mph. Again, this speed probably makes it a moped or scooter (or possibly even a full motorcycle).
And then there's the e-bikes that are more motorcycle than bike. 30+mph, powerful engines, and the pedals are truly vestigial. Supe73 and Surron bikes fall in this category.