Not every serious liability claim involves a car or a house. A child on a bicycle, an e-scooter or a skateboard can cause an injury that exceeds a homeowners limit, and the household is responsible for it.
Parents are generally responsible for harm caused by their minor children. Arizona caps that only in narrow cases.
Three things about liability that arrives on two wheels.
A collision between a bicycle and a pedestrian, or a scooter and an elderly person, can cause injuries measured in hundreds of thousands of dollars. The claim is made against the household, and personal liability on a homeowners policy is where it lands first.
A pedal bicycle is generally covered under personal liability. An e-bike or e-scooter above certain speeds can be treated as a motor vehicle and excluded, which puts it in the same position as an unscheduled recreational vehicle. The distinction is technical and it decides whether there is any cover at all.
Resident minors are included, which means one policy addresses every child in the house. That is the efficient answer compared with trying to raise the homeowners limit alone.
What the household rides as well as what it drives.
E-bikes and scooters can be excluded. It is worth checking rather than assuming.
All of them are covered, and all of them are a reason for the cover.
It has to qualify before the umbrella sits above it.
Tell us how many children are in the house and whether anything they ride is motorized.
We check whether the e-bikes are inside the policy or outside it.
Request a quote