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Hoverboards and Insurance: What You Need to Know

You’ve probably seen them in music videos and blog fails. Where you won’t see them are on a long list of university campuses, airplanes and football stadiums.

Hoverboards have earned a bad rap since they swept the hot holiday gift list in 2015, and not just because of their inaccurate name. The two-wheeled toys have been reported to spontaneously catch fire and cause major damage. So much damage, in fact, that the U.S. Consumer Product Safety Commission has officially deemed them unsafe. A quick online search will show you how destructive they can be–not just to your post-spill posterior, but also your property.

Here’s what you need to know to minimize your risk:

  • Faulty lithium ion batteries inside the hoverboards have been identified as the primary cause of fires. In the case of a faulty lithium battery, it’s possible that the manufacturer would hold some responsibility.
  • If you have one, do not walk away from the device if it’s plugged in to charge.
  • If you experience damage related to a hoverboard, call your insurance agent before you clean it up or throw it away so that evidence can be preserved for the claims investigation.

If you still have insurance questions, talk to a local Erie Insurance agent. In the meantime, maybe we can come up with a more accurate name for these devices than “hoverboard.” (Bruise inducers? Fun busters?)

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 

The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia or New York.  ERIE long term care products are not available in the District of Columbia and New York. 

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.