Marty McFly rode a hoverboard in the 1989 movie "Back to the Future II," and today's hoverboards remain popular as recreational personal transport. If you received one or know someone who did, learn more about how to use it safely and how to insure your new toy.
What is a Hoverboard?
Basically, a hoverboard is a battery-powered skateboard without traditional wheels exposed like a skateboard; you stand on it and use your body's balance to move forward, backward or to either side. Balancing can be tricky until you get the hang of it, and riders should practice on flat surfaces before trying uneven terrain.
The hoverboard is small enough to fit in a duffle bag or locker and typically weighs 20–25 pounds. Many models are made from metal alloy with an anti-slip foot grip, support up to about 200 pounds, and can reach speeds up to 15 miles per hour; battery life varies by model. If you own other small electric vehicles, consider reviewing related coverage such as Motor Scooter Insurance for comparably insured items.
Hoverboard Safety Risks
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Batteries
The lithium batteries that power hoverboards can overheat; some models have been reported to catch fire while in use or while charging. Follow manufacturer charging instructions and charge on non-flammable surfaces while supervising the device.
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Obstacles
Sidewalk cracks, bumps and other obstacles can cause a rider to lose control. Be aware of pedestrians and traffic to avoid collisions.
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Balance
Riders need core strength and good balance; falls can lead to concussions or fractures of the elbow, wrist, tailbone, or ankle. Practice gradually and use protective gear.
Riding Tips
- Know where you can ride them. Many cities, campuses and public venues restrict hoverboard use.
- Wear a helmet and knee, elbow and wrist protection.
- Do exercises that strengthen your core and abdominal muscles.
- Practice balancing on flat surfaces and take short rides before tackling uneven terrain or longer trips.
- Stay with your hoverboard while it charges and follow the manufacturer's charging guidelines.
- Supervise children and ensure they can ride safely before allowing unsupervised use.
Insuring a Hoverboard
Your insurance agent can help you add a hoverboard to your homeowner's or renter's policy or discuss whether a separate policy is needed. If your hoverboard malfunctions, document the damage and contact your agent before disposing of the device.
For owners of other types of small vehicles, your agent may also review options like Scooters/Motorcycles/Mopeds Insurance to compare coverages. If you want a quick estimate or to review options, talk to an agent about your specific needs.
Frequently Asked Questions
Will my homeowner's or renter's insurance cover a hoverboard?
Many policies provide limited coverage for personal property or liability, but coverage varies by insurer and policy; check with your agent for specifics.
What should I do if a hoverboard battery overheats or starts smoking?
Move people away, if safe unplug the charger and place the device on a non-flammable surface, and call emergency services if a fire starts.
Are there safety accessories I should buy?
Helmets and wrist, elbow and knee pads are strongly recommended to reduce injury from falls.
Can children ride hoverboards?
Children can ride if they have the strength and coordination, but they should be supervised and use proper protective gear.