Most electric bicycles can travel up to 16 to 20 mph, according to Wikipedia. (Photo: moreimages/Shutterstock) 

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: This week, our question is about electric bicycles.

Question: Would electric bicycles be covered under both the property section and the liability section of a homeowners insurance policy (HO 00 03 04 91)?  

— Montana Subscriber 

Analysis: While cars obviously belong on an automobile policy, many smaller vehicles might be covered under a homeowners policy, depending on the size of the vehicle, how it’s used, and where. There’s coverage for small boats, golf carts (under certain circumstances), and some other vehicles. But in the case of e-bikes, which have a motor, would they be considered personal property in a home insurance policy?

Answer: To learn the answer to this week’s coverage Q&A, please log into your FC&S Expert Coverage Interpretation account.

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