Snowmobile Insurance

Before hitting the snow, make sure that you and your snowmobile are covered!

Snowmobiling is a risky sport for several reasons. To start, snowmobiles are capable of traveling at very high speeds, making them difficult for inexperienced drivers to control. However, even the most experienced drivers face the threat of crashes due to concealed hazards and collisions with other parties.

Luckily, there are many things that you can do to protect yourself, your snowmobile, and those around you.

Not sure which coverages are right for you? Then turn to the experts at PowerSports Insurance Agency. With our many companies and options, we offer some of the lowest pricing on snowmobile insurance across the nation. Below are descriptions of snowmobile coverages and options.

Types of Snowmobiles We Insure:

High Performance Sleds.
Aftermarket Turbocharged Snowmobiles.
Touring or Two-Up Snowmobiles.
Mountain or Deep-Snow Snowmobiles.
We also insure Snow Bikes which are typically off-road motorcycles converted to a single front ski and a track instead of the rear tire.

Basic Snowmobile Insurance Coverages:

Liability Coverage: All policies include some level of liability insurance. This type of insurance covers any third-party injuries or property damage that you might cause as a result of an accident. Be sure to consider higher limits to protect yourself in a lawsuit. It’s not that much more money to double or triple the limits of liability.

Comprehensive Coverage: This type of insurance provides coverage for sudden and accidental losses to your snowmobile that are not the result of a collision. For instance, comprehensive coverage will protect against the damages caused by fire, theft, vandalism, hitting an animal, major weather events, and so on. Comprehensive coverage also applies to a snowmobile that sinks through the ice.

Collision Coverage: Collisions are the most common cause of damage and losses. Collision insurance will ensure that you have the necessary coverage to repair or replace your snowmobile following a collision. Collision is colliding with another vehicle or object. It also includes coverage for damage caused by overturn or upset. If your snowmobile is damaged from an accident while being transported, collision must be on the snowmobile, otherwise the sled will not be insured for loss.

Uninsured Motorist Coverage is protection related to bodily injuries received as a result of an uninsured, negligent driver. A large percentage of snowmobilers are uninsured. A hit-and-run by a snowmobiler or other motor vehicle also counts as being an uninsured motorist. This coverage is very important if you were injured as a result of an accident with an uninsured snowmobiler.

Talk with our insurance experts today to explore your options and find what coverages suit you best!