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).
Even with cheaper or heavier bikes, once you accept that you are really meant to pedal gently and let the motor do the work, non-speed freaks will get into it. E-bikes are great for commuting and for places that aren't pancake flat. They'll pull you away from the lights quickly, iron out hills and stop you getting sweaty, so you can bin the Lycra and ride in jeans, a suit, or a winter coat.
When I began testing the Rad Power bike, I wasn’t sure if it would ride like a bakfiets or more like your standard bike. Hundreds of miles later, the RadWagon’s biggest strength is how well it handles. If you aren’t riding with kids, you almost never notice the weight of the cargo area behind you and pedaling is made easy and efficient thanks to a 750W direct drive hub motor and smooth acceleration.

^ Consumer Product Safety Act, Pub. L. 107–319, December 4, 2002; codified at 15 U.S.C. 2085(b): The CPSC regulations do not differentiate between commercially manufactured low speed electric bicycles and those converted from ordinary bicycles by their owners using an aftermarket electric motor and battery kit, nor do they regulate the construction of electric-power bicycles using owner-built or sourced components.
Built around a heavy-duty alloy frame, the GSD eschews many of the traits of other cargo bikes: long wheelbases, bigger wheels, and especially, an unwieldy ride. Yet it boasts an extensive capacity, nimble handling—even fully loaded, thanks to a short wheelbase and 20-inch wheels—and enduring range in a package not much bigger than most non-cargo e-bikes. The stout frame holds a 250-watt Bosch motor that gives up to 275 percent of your power back to the pedals and reaches 20 mph. The GSD has room for two battery packs, extending the batteries’ combined range to a claimed 150 miles and making the Tern one of the longest-lasting e-bikes on the market. A laundry list of accessories and a (claimed) 396-pound carrying capacity round out the GSD’s status as an epic day-tripper.
Maintenance of adequate tire inflation is the most frequent and troublesome concern for cyclists and many means and methods are employed to preserve pneumatic integrity. Thicker tires, thicker tubes, tire liners (of a number of rather impenetrable devices installed between the tire and tube), liquid sealing compounds squeezed into the tube, and automotive-style patch kits are all used to reliably contain the typical tire pressures of 40 to 60 pounds per square inch that are required for bicycle operation. Thin, light bicycle tires are particularly vulnerable to penetration and subsequent deflation caused by goat's heads and other burs, colloquially known as stickers. Inflation of bicycle tires to pressures higher than typical for automotive use requires special pumps. The complexity of bicycle tire maintenance and repair may cause many to not consider the bicycle for transport or leisure.
Federal law defines the limits of a low speed electric bike, equating it to a bicycle, and bypassing the definition of a motor vehicle only “For purposes of motor vehicle safety standards…” which means that the manufacturers of these bicycles don’t have to meet federal equipment requirements, and are instead governed by the manufacturing requirements of the Consumer Product Safety Act. There is no mention of exemption from other federal, state, and local traffic laws, or exemption from the definition of a motor vehicle for other purposes.3 This means the law applies to the manufacturer’s product and sale, avoiding federal safety requirements applying to a motor vehicle such as brake lights, turn signals and braking specifications. The goal of the law was to give businesses a legal framework to define and sell low speed electric bikes without the more stringent Federal classification of a motor vehicle. Ebikes that meet the criteria are considered a “bicycle”, do not meet the definition of a motor vehicle, and will be regulated by the Consumer Product Safety Commission. The law also grants the commission authority to add safety requirements to this product. The Federal law supersedes all state laws that equate bicycles to ebikes where the state law is more stringent (lower limits) on power and speed.
None of this would matter if the VanMoof Electrified S2 (and its close relative the X2) wasn't fun to ride, but it is a blast. Like the Brompton, it pulls off the neat trick of powering you along but giving the illusion that you're doing the work, reacting quickly and cleverly to the speed of your pedalling and the difficulty of any incline you're on.