Coverage will depend on which you purchase. Mopeds, e-bikes and scooters may require liability insurance and each state may differ in their requirements. You may also choose to add comprehensive coverage which normally covers vandalism, theft or storm damage. Contact your local insurance agent to confirm. Homeowners policies may provide a limited amount of liability and coverage for potential property damage or theft for your scooter, electric bike or moped. But criteria such as cost of replacement, cost of parts and size of motor may require them to have a separate policy. Discuss what your homeowners policy may cover for these vehicles with your agent.