Do I need insurance for my e-bike?

Standard homeowner's/renter's insurance may cover theft but typically not accident liability or damage during use. Dedicated e-bike insurance ($150-300/year) covers theft, damage, liability, and accessories. Given that quality e-bikes cost $1,500-$5,000+, insurance is worth considering — especially in high-theft urban areas. Some providers: Velosurance, Spoke, and Markel.