Snowmobile Insurance

Don’t let your snowy adventures get cut short because you didn’t get the right coverage! Your homeowners or auto policy may not adequately cover your snowmobile. We’ll help you insure your sled, so you can go out and enjoy the snowy trail.

Snowmobile insurance typically helps cover you and your sled in several ways. For instance, a snowmobile insurance policy may help pay to repair damage to your sled or prevent you from paying out of pocket if you injure another person or damage their property while riding your snowmobile.

Regardless of skill level or experience, every snowmobile driver needs snowmobile insurance. Hitting the snow without adequate coverage could mean you are unprotected against medical payments and collision costs in the event of an accident.

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 uninsured motorist laws. Therefore, 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 unavailable, 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 the injuries or damages 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 risks 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.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.