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Electric bikes, if they have a 25mph or lower top speed then they are a bicycle in the US and are covered by your home owners, or renters insurance.
If you have a car that has been modified beyond stock and someone totals it you most likely will get a check for the base amount that your vehicle was worth, not a check that covers any of the modifications like an electric drive train, there is a spot on the form for most car insurance to add things that add to the value of your vehicle and that should be done.
Some insurance companies that insure hot rods and other modified vehicles will insure you for an "agreed" value and base what they charge you off that value and if it gets totaled they write you a check for that amount, they often require photos of your vehicle for their records or sometimes even require you to bring it to one of their appeasers to make sure that it is real and not already damaged, but if you have invested 1,000 hours of your time, or $10,000 in money in an electric car you might want to make sure that you have it insured if someone totals it.
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