Seen more e-bikes and drones lately? You’re not imagining it. These gadgets have become a regular part of everyday life. Maybe you use an e-bike to commute around town, or you take your drone out on weekends to capture stunning photos and videos. They’re fun, practical, and not exactly cheap to replace.
But here’s a question many people forget to ask until something goes wrong: Would your homeowners or renters insurance cover them if something happened?
When most homeowners and renters policies were written, electric bikes and camera drones weren’t even part of the conversation. As these technologies have taken off, insurance companies have had to decide how to classify them. The challenge is that many standard policies now exclude these items, especially when it comes to theft or liability.
Here’s what that looks like in real life:
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E-bikes: Even though they look like regular bicycles, most insurers treat them as motorized vehicles. That means they don’t fall under the same coverage as your standard bike. So if your e-bike is stolen or you’re in an accident, your homeowners policy might not help.
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Drones: Because drones can cause injury or property damage, they’re often excluded from personal property coverage altogether. In other words, if your drone crashes and damages someone’s roof or car, you could be responsible for the repair costs.
So, if your e-bike disappears from your garage or your drone takes an unexpected dive into a neighbor’s yard, your existing policy might not respond—and that could leave you paying out of pocket.
The good news? There are better options.
Many insurance companies now offer separate personal policies or endorsements specifically designed for e-bikes and drones. These policies can:
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Protect against theft, accidental damage, or loss
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Provide liability coverage if your e-bike or drone causes injury or property damage
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Offer peace of mind knowing your investment is properly protected
In many cases, the additional coverage is surprisingly affordable, especially compared to the cost of replacing a high-end drone or e-bike.
If you already own one—or are planning to buy one soon—now is the perfect time to review your policy. A quick check can help you avoid unexpected surprises later.
At Heritage Insurance Partners, we know that your lifestyle is evolving, and your insurance should too. Whether it’s your home, your ride, or your next great aerial shot, we’re here to make sure it’s protected. Reach out anytime, and we’ll help you find the coverage that keeps pace with you.