In my case (not US), home insurance cover bikes but not ebikes or escooters. For that you need a dedicated plan (<50€ per year). If I remember correctly, withou

In my case (not US), home insurance cover bikes but not ebikes or escooters. For that you need a dedicated plan (<50€ per year). If I remember correctly, without that additional plan, I'm covered for my own injuries, but I'm on the hook for any injury I may cause in case of accident.