Some policies will cover an e-bike while it is locked up at work or a store, as well as locked within your vehicle or locked to a rack which is locked to your vehicle. Other coverage includes repairs in the event of an accident. Another important detail is whether the coverage includes replacement cost or only allows for what a cheap big box store bike runs. The difference between the two can be enormous.
Check with your insurance agent to find out how well-covered your e-bike is through your homeowner’s or renter’s insurance.