What is snowmobile insurance?

A snowmobile policy can protect against damage to your sled as well as theft, loss, and damage to your snowmobile’s accessories. Snowmobile insurance can also cover you if you're liable for someone else’s injuries and damages. While snowmobile insurance isn’t required in many states, coverage is affordable and can be valuable if you’re involved in a snowmobile accident.

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Is snowmobile insurance required?

Some states require a snowmobile policy with liability coverage before you can operate a snowmobile. Certain parks may also mandate snowmobile insurance. Regardless of whether a snowmobile insurance policy is required in your state or by the park where you sled, snowmobile insurance can offer crucial protection. No matter how experienced you are at operating a snowmobile, the activity comes with risks: accidents, injuries, damage to other vehicles and properties, theft, vandalism, and extreme weather. There's also a chance your snowmobile could break through solid ice and sink into the water below. Snowmobile insurance may help protect your sled in case of these risks.

Which snowmobile insurance coverages do you need?

Liability coverage is standard on all snowmobile policies and may be required by certain states and parks. If you cause injuries or damages to another party while operating your snowmobile, liability coverage may cover you up to the limits of your policy.

Here are some additional snowmobile insurance coverages that you can add to your policy for the best protection on the trails and while your snowmobile is in storage:

  • Uninsured/underinsured bodily injury and property damage: Covers your injuries and damages up to your policy’s limits, if someone with no insurance or not enough coverage injures you or damages your property while you're operating your snowmobile.
  • Comprehensive: Covers your snowmobile against incidents out of your control, including theft, vandalism, hitting an animal, fire, and weather-related issues. A deductible typically applies.
  • Collision: Covers your snowmobile against collisions with another object, such as another sled, fence, or tree. A deductible applies.
  • Medical payments: Pays for hospital bills for you and your passengers, regardless of fault, if you’re involved in a snowmobile accident.
  • Accessory and custom parts equipment: Provides coverage for enhancements or upgrades to your snowmobile that weren’t factory installed, up to your policy’s limit.

Pro tip:

Planning to use your snowmobile in Canada? Check your insurance provider to ensure your coverage extends to other parts of North America.

What does snowmobile insurance cost?

Per SnowmobileHow, the average cost for snowmobile insurance is approximately $200 annually. However, your price for snowmobile insurance depends on several factors, such as location, coverage selection, and the value of your sled.

Do you need insurance coverage for a rented snowmobile?

Insurance requirements for a rented snowmobile depend on the rental company, your state’s requirements, and the park where you’re operating your sled. If you already have snowmobile insurance, the liability coverages on your snowmobile policy may apply to a rented snowmobile. However, damage to a rented snowmobile typically won’t be covered by your snowmobile policy’s comprehensive and collision coverage. You may need to purchase snowmobile rental insurance from the snowmobile rental company in order to protect the rented sled.

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