top of page

Use code SCNEWCUST15 for 15% off ALL scooters through month-end.  Redeem here

Does Renter's Insurance Cover Electric Scooter Accidents?

Understanding Renter's Insurance Coverage for E-Scooter Accidents

When it comes to understanding the diverse coverage options of renter's insurance, many policyholders are uncertain about whether accidents involving electric scooters are included. Renter's insurance is traditionally known for covering personal property within a rented residence and providing liability protection, but how does it apply to situations outside your home, particularly if you accidentally injure someone while riding your electric scooter?

Personal Liability Coverage

Renter's insurance generally includes a component known as personal liability coverage, which may protect you against claims where you're held responsible for bodily injury or property damage to others. However, the nature of the injury and how the accident occurred are critical in determining whether your policy applies.

Electric Scooters: A Special Case

Electric scooters — often classified as motorized vehicles — may not be covered under the standard personal liability clause of your renter's insurance policy. Most policies exclude motorized vehicles, specifically when they are used off the rental property premises.

Checking Your Policy Details

It is essential to scrutinize your policy or speak with your insurance provider to understand the specifics of your coverage. Some policies might offer limited coverage for low-powered electric scooters under certain conditions, or you may have the option to purchase additional coverage.

Alternatives for Coverage

If your renter's insurance policy does not cover accidents involving electric scooters, there are alternative insurance products to consider, such as personal umbrella policies or specialized e-scooter insurance, to provide you with the necessary protection.

In conclusion, while renter's insurance can offer broad liability protection, it often falls short in covering incidents with electric scooters. Therefore, to ensure you are adequately protected, it's vital to confirm your coverage details and consider additional insurance options if necessary.

Remember also to practice safe riding and be aware of local laws regarding electric scooters to minimize the risk of accidents and subsequent claims.

Levy Electric Scooter Icons

Start a Fleet

Start a rental fleet with Levy

Levy Electric Scooter Icons


Wholesale Levy scooters at your online store or shop

Levy Electric Scooter Icons

Retail Partners

Wholesale Levy scooters at your 
online store or shop

Levy Electric Scooter Icons

Tag us

Follow and tag us on social!

Brand Ambassador

Earn money for referring friends and growing the network

Service Guides

DIY repair tools, videos, and more


Interested in working at Levy?


Invest in the Levy Network

Levy Locations

Find our rental, repair, and store locations

The Levy App

Download the Levy app to find scooters closest to you


Technical specs for all of our scooters


The Levy swappable battery system

Spare Parts

Every spare part you need for your scooter


Choose the Levy scooter that suits you best


Learn more about electric scooter tires


Bags, phone holders, helmets and more

Levy Electric Scooter Icon

The everyday electric scooter, perfect for the daily commute.

Levy Electric Scooter Fleets Icon

Start a rental fleet with Levy scooters and software

Levy Plus Electric Scooter Icon

Our high-end, long range cruiser with double the range of the Levy.

Support Center

FAQs, how-to videos, and quick start guides

Shipping App

Discounted shipping labels for moving your scooter (or any package).

Range Calculator

Estimate real-world range for any scooter

Electric Scooter Laws

Electric scooter laws by state & city


Subscribe to a scooter for $70/month

Shop Locator

Find a location to test ride or bring your Levy in to get repaired


Get in touch with our team

Quick-start guide

Get started with your Levy

Returns & Warranty

Every spare part you need for your scooter

Shipping Policy

Shipping Policy US and International

bottom of page