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Renter's/homeowner's insurance covers one's property at home or away from it. One can get a rider for particularly valuable property.

"Velosurance" is also an option for many with expensive cargo ebikes.

Ebikes are a pretty new technology with very little used market so far, but that will change quickly— I already managed to dig one up for 50% off MSRP last winter.

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Be careful there- renters will generally cover theft with a low enough deductible to make it worth it, but homeowners deductibles can easily be near or higher than the cost of the bike.

I wonder what the batteries are going to be like in the used market. afaik this is the first part to see significant wear and also probably the most expensive part on the bike. Every few years I price out ebike kit builds to see if prices have come down and battery costs have remained pretty high. At least with a regular bike you can buy it in whatever neglected condition short of a compromised frame and pay not much at all at your local bike shop to tune it up into a great bike.

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