Nevada Electric Bicycle (NRS 482.0287) Bicycle 20 (motor only on the flat with 170LB rider, undefined if pedal assist is allowed to go faster) 750W (it is undefined as to whether this is input or output power, but in the USA, motors are rated on output power at the shaft) No none (use caution here because of "reckless endangerment" laws) no (not a "motor vehicle")
I'm wondering if renter's insurance will cover my eBike while I'm out cycling around town to work, shopping, or even on long distance eBike tours ….. And what exactly will the insurance cover … only the bicycle …. all of the extra features …. gadgets … gear ….. This beast will cost me around $9,500.00 (US) when finished. At times I will be carrying as much as $3,000.00+ worth of gear !!!

If you need an ebike that can provide a full-on mountain bike experience, but you are also on a limited budget, this bike is an excellent choice for you. We doubt you can find a double suspension bike, jam-packed with features for a better price. Large wheels and low-rise handlebars provide more control and easier ride, but the powerful 500W brushless motor attached directly to the rear wheel hub will give you plenty of “umph”.
Electric bicycles use batteries as a source of power and a quiet DC motor as a driving mechanism. On most e-bikes the motor is built directly into the wheel (known as a hub motor) and the batteries are discreetly hidden in the rear rack or frame. Electric bikes can be operated just like normal bicycles, but they can also be power-driven by a throttle or pedaled with the help of pedal-assist (PAS or pedelec).
The U.S. Consumer Product Safety Act states that electric bicycles and tricycles meeting the definition of low-speed electric bicycles will be considered consumer products. The Consumer Product Safety Commission (CPSC) has regulatory authority to assure, through guidelines and standards, that the public will be protected from unreasonable risks of injury or death associated with the use of electric bicycles.[61][62]
Oregon Law (ORS 801.258]) defines an electric assisted bicycle as an electric motor-driven vehicle equipped with operable pedals, a seat or saddle for the rider, no more than three wheels in contact during travel. In addition, the vehicle must be equipped with an electric motor that is capable of applying a power output of no greater than 1,000 watts, and that is incapable of propelling the vehicle at a speed greater than 20 miles per hour on level ground.[124]
Electric bikes are becoming a convenient and fun way to commute around a city, but they can be pricey. The average e-bike can cost $3,000, with some models getting up to $5,000 or more. But these prices are dropping, as new models come onto the market — and if you don’t mind giving up some of the glossier, high-tech features like embedded digital displays, retractable cable locks, and and theft tracking and recovery, you can find a really good quality e-bike for under $1,500.