If you're one of the 1.26 million registered snowmobile users across the United States, one of the great joys of winter is looking out the window and seeing a blanket of fresh snow.

Your outdoor adventures may also come with some risk. And because snowmobiles typically aren't covered under a homeowners or auto insurance policy, according to the National Association of Insurance Commissioners (NAIC), you'll likely need a separate snowmobile policy to help protect you and your sled.

When you look into snowmobile insurance, you'll usually find that comprehensive or collision coverage may help pay to repair or replace your damaged sled. But what if you're found legally responsible for someone else's injuries or damage to their property after an accident? That's where snowmobile liability coverage may help.