I’m looking for an ebike for getting around SF. I was looking at the Velotric T1 ST Plus (for $1240 + free extender battery) as due to its lack of throttle it would be covered by my existing renter’s insurance (Lemonade). I feel like the insurance is pretty crucial given high bike theft in SF. Are there any better alternatives I could consider? The Tempo seems better but the throttle makes it not covered by my insurance.