FuroSystems’ two new full carbon fiber electric bikes are now available at discounted launch prices! The bikes are a folding e-bike and a mountain e-bike. FuroSystems has designed very stylish, ultra-light electric bicycles with strong carbon fiber frames that encase all electronic parts and cables – and is currently sell them at a very competitive price. Both of these e-bikes feature high quality, mid-drive motors and offer great range.
My homeowners (State Farm) covers bikes , but assumes $500 per bike. They will add the bikes as personal property, but the premium is excessive (about $300/year per bike, and we have four bikes). I did increase our personal umbrella liability coverage, and it covers us if family members any sort of accident on our e-bikes that injures us or others or others' property, though only covers $500 each for our own bikes (under the homeowners coverage). It was not very expensive to increase the umbrella policy (as it resulted also in a reduced rate on our car insurance).
Connect the battery to the speed controller and the throttle. Follow the instructions included with the kit to connect each part. Typically, you’ll only need to plug the connector on the speed controller into the connector on the battery, then repeat the process for the throttle. Be sure not to touch the battery wires together, as this could create a dangerous spark! 
On the road, it takes only a few turns of the pedals to activate the Vado’s motor and get it up to speed. In Turbo mode — the bike’s highest level of pedal-assist — the Vado reaches speeds of up to 28 miles per hour, after which the electric drive system automatically shuts off to conserve power (and abide by local law). A built-in LED readout on the handlebars allows riders to monitor battery life, check current speed, and track calories burned while also being able to glance at distance traveled. The Turbo Vado Mission Control app (iOS/Android) also connects to the bike via Bluetooth and allows riders to further tune their ride and adjust the bike’s settings.
Built around a heavy-duty alloy frame, the GSD eschews many of the traits of other cargo bikes: long wheelbases, bigger wheels, and especially, an unwieldy ride. Yet it boasts an extensive capacity, nimble handling—even fully loaded, thanks to a short wheelbase and 20-inch wheels—and enduring range in a package not much bigger than most non-cargo e-bikes. The stout frame holds a 250-watt Bosch motor that gives up to 275 percent of your power back to the pedals and reaches 20 mph. The GSD has room for two battery packs, extending the batteries’ combined range to a claimed 150 miles and making the Tern one of the longest-lasting e-bikes on the market. A laundry list of accessories and a (claimed) 396-pound carrying capacity round out the GSD’s status as an epic day-tripper.
The federal Consumer Product Safety Act defines a "low speed electric bicycle" as a two or three wheeled vehicle with fully operable pedals, a top speed when powered solely by the motor under 20 mph (32 km/h) and an electric motor that produces less than 750 W (1.01 hp). The Act authorizes the Consumer Product Safety Commission to protect people who ride low-speed electric vehicles by issuing necessary safety regulations. The rules for e-bikes on public roads, sidewalks, and pathways are under state jurisdiction, and vary.