What does snowmobile insurance cover?

By Allstate

Last updated: January 1

Snowmobile insurance typically helps cover you and your sled in a number of ways. For instance, a snowmobile insurance policy may help pay to repair damage to your sled or prevent you from paying out of pocket if you injure another person or damage their property while riding your snowmobile.

A snowmobile insurance policy may include:

  • Collision coverage
  • Bodily injury liability coverage
  • Property damage liability coverage
  • Comprehensive coverage

These coverages are typically optional on a snowmobile insurance policy. Your agent can help you tailor a policy that fits your needs. Here's a look at how common snowmobile coverages work.

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Collision coverage

Whether you slide into a fence, hit a fallen branch or collide with another snowmobile, repairing your snowmobile can be expensive. Collision coverage may help pay for the cost of those repairs so you can get back out on the trails.

Liability coverage

Liability coverage may help protect you financially if you are involved in an accident. This coverage may actually be required in some states, says the American Council of Snowmobile Associations.

Here are the two types of liability coverage for snowmobiles for snowmobiles and how they work:

  • Bodily injury liability coverage.
    If you injure someone else in an accident, you may be found legally responsible for their medical expenses. Bodily injury liability coverage may help cover the costs of their resulting medical bills.
  • Property damage liability coverage.
    Should you accidentally damage someone else's property, such as a fence or home, while riding your snowmobile, property damage liability coverage may help pay for the cost of repairs. If you're found responsible for an accident with another snowmobile, this coverage may also help cover the cost of repairs to the other rider's sled.

Comprehensive coverage

Comprehensive coverage may help pay for repairs or replacement if your sled is stolen or damaged by something other than a collision. Covered risks may include hail or vandalism.

Other considerations

Keep in mind that each coverage comes with a limit, which is the maximum your policy will pay after a covered claim. Read your policy or contact your agent to learn more about your limits. You may also have to pay a deductible before your policy helps pay for repairs to your snowmobile.

Don't assume you have coverage for your snowmobile through your other insurance policies. The National Association of Insurance Commissioners notes that your snowmobile will typically not be covered by your homeowners, renters or auto insurance policies. Talk to your agent to see if your existing insurance policies provide any coverage.

If you decide to purchase a snowmobile insurance policy, ask about any available discounts. For instance, some insurers may offer discounts for customers who have multiple policies with them. You may also be able to get a discount for paying your premium in full or by taking an approved snowmobile safety course.

Be sure you've talked to your agent about having coverage for your snowmobile so you can hit the trails with peace of mind.