snowmobilePlan your route, bundle up and get ready to hit the trails. But before you head out, make sure you have the proper insurance so you can enjoy the ride. Some homeowner’s policies will allow you to add coverage for a snowmobile, but you may want to consider having a separate policy just for your sled.

  • Bodily Injury Liability – if you hurt someone else, their medical costs would be covered.


  • Property Damage Liability – covers expenses to repair or replace property belonging to others such as another snowmobile, parked vehicles, buildings or other structures.


  • Collision – your snowmobile repairs are covered if you are involved in an accident.


  • Comprehensive – expenses to repair your snowmobile are paid if it is damaged by something other than a collision such as hitting an animal, fire, damage due to storms or if your snowmobile is stolen.


  • Accessories Coverage – for example, helmets and riding apparel, backrests and equipment

*Note – coverage is subject to insured limits, deductibles and covered perils.