My homeowners (State Farm) covers bikes , but assumes $500 per bike. They will add the bikes as personal property, but the premium is excessive (about $300/year per bike, and we have four bikes). I did increase our personal umbrella liability coverage, and it covers us if family members any sort of accident on our e-bikes that injures us or others or others' property, though only covers $500 each for our own bikes (under the homeowners coverage). It was not very expensive to increase the umbrella policy (as it resulted also in a reduced rate on our car insurance).

Electric bikes advertise with a huge array of varying ranges, but what is the dominant factor is range? Electric bike range is determined by the battery, and just like other lithium battery products like laptops and cell phones the batteries performance can fluxuate based on a variety of external factors.  Extreme cold, rider weight, head winds, hills, rough terrain, tire pressure and many other factors.   But since we need to start somewhere to get the general range that a battery can produce there is baseline that we can reference to get a good indicator of range. Take a look at...
The are no ADRs applicable to AA or AB category vehicles. There are ADRs for lighting, braking, noise, controls and dimensions for LA category vehicles, mostly referencing the equivalent UN ECE Regulations. An approval is required to supply to the market any road vehicle to which ADRs apply and an import approval is required to import any road vehicle into Australia[4].
Conversion kits, on the other hand, are sold and installed separately on traditional bicycles. They are harder to setup and conceal, and require some basic mechanical ability and a little bit of ‘elbow grease’ to install. The advantage of conversion kits is that you can choose almost any standard bicycle, and you have the freedom to change or upgrade components as you go. A conversion kit will also allow you to achieve higher power and speed ratings that are not possible on most pre-built electric bike models. Kits are great for tall or heavy riders because they can opt for a larger bike, with higher power and weight carrying capacity. People living in hilly terrain may require the additional torque to handle extremely large inclines. For people who prefer a specific bike model or just love to go faster, a conversion kit offers enormous flexibility.
It is very important that sensors work well and that they are integrated/tuned for good usability. Although ebikes do need some initial mental adjustment from riders, some model do much better then others, e.g. most testers seem to prefer the TDS Impluse over the Stöckli E.T. over the Stromer (which model?) with respect to reactivity. Of course, usability is subjective and some people may prefer one behavior over an other. However, cheap bikes may be just plain bad and this is why test driving is important.
The Domane+ e-road bike is the electric version of Trek’s popular Domane. It’s designed for riders who appreciate that bike’s reliable comfort and IsoSpeed technology but want the added fun and function of e-assist. It’s also the ideal companion for anyone coming back from injury, slower riders who want to mix it up with a speedy group, and couples with different fitness levels. A Bosch Performance Line Speed motor provides a very welcome 28 mph of pedal assist, and the 500Wh Powertube battery sleekly integrates into the down tube. Also integrated: front and rear lights, which are powered by the battery—no charging required.
In cities where bicycles are not integrated into the public transportation system, commuters often use bicycles as elements of a mixed-mode commute, where the bike is used to travel to and from train stations or other forms of rapid transit. Some students who commute several miles drive a car from home to a campus parking lot, then ride a bicycle to class. Folding bicycles are useful in these scenarios, as they are less cumbersome when carried aboard. Los Angeles removed a small amount of seating on some trains to make more room for bicycles and wheel chairs.[65]
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Whether the terrain is flat or hilly impacts the distance you can travel, as does the weight of the bike, your own weight, the gearing available on the bike, and how much juice you give it. We suggest that a distance of 10 to 20 miles is a realistic expectation. Of course, if you're prepared to do at least some pedaling, you can extend that dramatically.
Recent legislation has passed putting Maryland ebike laws in line with the popular class 1,2,3 systems previously implemented in states such as California. This legislation becomes effective October 2019. The most significant portion of this change is the increased max limit on power and speed. It will be increased from a max of 500w / 20mph to 750w / 28mph (assuming the ebike in question meets class 3 criteria)
Every person riding a bicycle, electric personal assistive mobility device, electric power-assisted bicycle, moped, or an animal or driving an animal on a highway shall be subject to the provisions of this chapter and shall have all of the rights and duties applicable to the driver of a vehicle, unless the context of the provision clearly indicates otherwise.
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