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

Comprehensive Coverage – Also known as "other than collision" coverage, this helps pay for damage from vandalism, theft, weather events, and accidents involving animals. It also covers custom parts and equipment.

Uninsured Motorist Coverage (UM) – Protects you and your snowmobile if you're involved in an accident with an uninsured driver or a hit-and-run. Coverage varies by state and is subject to policy provisions and limits.

Underinsured Motorist Coverage (UIM) – Covers accidents where the at-fault driver doesn’t have enough insurance to cover damages. Coverage is subject to policy provisions and limits.

Bodily Injury Liability – If you cause an accident while riding your snowmobile and someone is injured, this coverage helps pay for their medical bills and loss of income. Most states require liability coverage.

Property Damage Liability – Helps pay for damage to another person’s vehicle or property if you cause an accident. Most states require liability coverage.

OEM Endorsement – This policy add-on ensures that repairs use new parts from the original equipment manufacturer (OEM), whenever available. If OEM parts are unavailable, payment is based on the fair market value of the new OEM part. Available for snowmobiles less than 10 years old.

Snowmobile insurance provides financial protection for your sled and covers injuries or damages you may cause while riding. As a snowmobile owner, you understand how dangerous the sport can be. Even if you are a safe rider, you cannot control poor weather conditions or the actions of other riders. Securing the right snowmobile insurance policy is one of the best ways to mitigate these risks.

Don’t assume your snowmobile is covered under other insurance policies. It is typically not included in homeowners, renters, or auto insurance policies. Get in touch with us today, and we’ll help you find the right coverage for your sled.