get coverage for you and your sled
What is snowmobile insurance?
When you're flying across the snow on your snowmobile, it's a good idea to be prepared for any mishap like a breakdown or tree stump. Allstate® snowmobile coverage can help protect your snowmobile whether it's on the trail or stored for the season. It can also help pay for costs resulting from covered accidents.
How much does snowmobile insurance cost?
There are many factors that can impact the cost of your coverage though, including the types of protection and the coverage limits you choose. Review your options and choose the types and amounts of coverage that fit your needs.
How to compare snowmobile insurance quotes
If you're gathering quotes from several companies, make sure to choose the same coverages, limits and deductibles for an accurate comparison.
- Review coverage types included in a standard policy.
- Think about your personal finances and needs when choosing your coverage limits.
- Some snowmobile coverage comes with a deductible, or the amount you pay toward a claim. Select the same deductible on each option for every quote you request.
Snowmobile insurance FAQs
Snowmobile coverage is required if you live in one of the following states: New York, North Dakota, South Dakota, Pennsylvania or Vermont. However, in case of an accident, you may still want to consider buying coverage even if it's not required.
Typically, a homeowners policy does not cover your snowmobile. If you're using your snowmobile for recreational purposes, you will need a separate snowmobile policy in order be covered. A snowmobile is only covered as property under a homeowners policy if it is used to service your residence's premises.
Risks, such as fire or theft, may happen any time during the year, regardless of whether or not your snowmobile is in use. Without snowmobile insurance, you may have to pay out of pocket to repair or replace your snowmobile if it's stolen or damaged during the summer months.