Collision Coverage: Pays for damage to your snowmobile if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.

Comprehensive Coverage: Also known as “other than collision,” this coverage can help pay for damage to your vehicle from vandalism, theft, weather events and accidents involving animals. This coverage also protects custom parts and equipment.

Uninsured Motorist Coverage: UM coverage helps protect you and your snowmobile from uninsured drivers and hit-and-run accidents. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.

Underinsured Motorist Coverage: If you’re in an accident with a driver who does not have enough insurance to cover the costs of an accident, this coverage steps in. Coverage is subject to policy provisions and limits.

Bodily injury liability: If you cause an accident on your snowmobile and someone is injured, this coverage can help pay their medical bills and loss of income. Most states require liability coverage.

Property damage liability: This snowmobile insurance coverage helps pay for damages to another person’s vehicle or property if you cause an accident. Most states require liability coverage.

OEM endorsement: This policy add-on helps ensure that your vehicle is repaired with new parts from the original equipment manufacturer (OEM), whenever available. If an OEM part is not available, payment will be issued based on the fair market value of the new OEM part. Available for vehicles less than 10 years old.

Snowmobile insurance is designed to offer financial protection for your sled and for the injuries or damages that you may cause as a driver. As a snowmobile owner, you know how dangerous riding can be.  While you may be a safe rider, you cannot always account for poor weather conditions or the actions of other riders.  One of the best ways to mitigate the risks that you face is by securing the right snowmobile insurance. 

Don’t assume you have coverage for your snowmobile through your other insurance policies. Note that your snowmobile will typically not be covered by your homeowners, renters, or auto insurance policies. Get in touch with us, and we’ll be happy to help you find the right coverage for your sled.