What Does Snowmobile Insurance Cover? A Breakdown of Key Protections 

You’ve got insurance on your health, your car, your residence, and probably even your life. So it might be no surprise to learn that you also need snowmobile insurance to protect your finances regarding one of your pricier big-kid toys. 

But what kind of snowmobile protection can you expect to get with insurance? What options are nice to have — and which are critical? Is this sort of coverage mandatory? Read on to learn more about the types of snowmobile insurance, the benefits offered, and what options you should strongly consider. Your friendly Acceptance Insurance agent can help you decide if this type of coverage is right for you – and how to get it customized for your budget. 

Do I Need to Have Snowmobile Insurance Coverage? 

You do if you’re snowmobiling in some U.S. states, including New York, Vermont, North and South Dakota, and Pennsylvania. Elsewhere, it can be mandatory if you’re riding on public lands. Some private landowners require it, as well. And this type of policy is always a wise financial decision, even when the law doesn’t require it. Here’s why. 

Here’s What’s Covered Under Your Snowmobile Insurance Policy 

Whether you hit another snowmobile, lose your ride in a blizzard, or run over a moose, your costs are potentially covered. (Try real hard to avoid that moose, though.) 

Here’s how your various coverage options break down, and some other snowmobile insurance details. 

Collision Coverage: Crash Protection 

Collision coverage is pretty much what it sounds like. It pays for the repairs or replacement of your snow machine if it’s involved in a collision with a tree, fence, building, or another vehicle, even if the fault is yours or there’s no issue of fault involved.  

Comprehensive Coverage: Protection Against the Unexpected 

What else can happen to your machine? It’s hard to say — and that’s why you need comprehensive insurance benefits. Comprehensive covers risks beyond standard collisions. 

Remember that moose in the road? You’re covered. Comprehensive also protects against fire damage if your garage or storage facility goes up in flames, a frozen tree limb falling on your snowmobile while parked or in motion, a tornado bringing your garage down upon it, and other calamities you can’t even imagine. 

That includes this next category of risk. 

Theft Protection: Keeping Your Machine Safe 

You’ve got a sweet ride, and you might not be the only one thinking that. Snowmobile theft coverage alone could more than pay for years of premiums. The alternative might be no vehicle while you still have several months — or years — of financing charges remaining. Or one or more winter seasons without a snow trail joy ride. 

Liability Coverage: Lawyers, Laws, and Lawsuits 

Liability coverage offers protection against legal and associated costs in the event that you’re sued for personal injuries or property damages that resulted from your actions while on your ride. If you are accused of hitting a hiker, damaging a car or another snowmobile, or otherwise disrupting lives while behind your snow machine’s handlebars, it could get expensive — even if you’re not guilty. 

The wallet-busting starts with the need to hire a lawyer. If you’re jailed, you’ll have to be bailed out. If you lose the court case, there could be thousands of dollars in damages and court costs to pay. Your liability benefits will handle most of this cost. 

Uninsured Motorist Coverage: Not Your Fault, So Why Should You Pay? 

Know what’s unfair in life? If you get hit and your snowmobile is damaged, it’s clearly the other party’s fault — and they have no insurance. And they don’t have even close to the $2,000 or more to fix your heavily damaged vehicle. It’s not your fault, but you’re stuck with the bill. Unless you have uninsured motorist coverage. 

With this benefit, you can submit the claim to your own insurer, who will cover your damages up to your coverage limit. Life is unfair enough. Pay a few extra dollars a month, and you’ll always receive financial justice even when the party at fault is uninsured and walks away without paying a penny. 

Protect Your Snowmobile Today — Get a Quote from Acceptance Insurance 

Convinced? Still have a few questions? Acceptance Insurance agents have answers. 

They’re independent brokers. That means they have contractual relationships with multiple insurers, not just one. So you’ll never get a “take it or leave it” quote from a single resource. Your agent will go shopping for snowmobile protection insurance from multiple carriers and bring back the most affordable plan. You’ll be pleasantly surprised to see how little you’ll pay for a high level of wallet protection this snowmobile season. 

It starts with your contact. Call us at (877) 405-7102, or get a quick quote online. You can also find an Acceptance Insurance office near you. 

However you do it, reach out before the snow falls and you find yourself eager to take to the trails. 

FAQ 

Here are answers to a few of the most typically asked questions regarding snowmobile insurance coverage. 

What Types of Snowmobiles Are Typically Covered Under Standard Snowmobile Insurance Policies? 

Those generally used for personal use are covered. That excludes snowmobiles used for racing and for commercial use, such as by ski resort staff. The addition of aftermarket parts to turbocharge your machine might make it ineligible for coverage, so be sure to discuss your plans with your agent before souping up your ride. 

Does Snowmobile Insurance Cover Damages From Natural Disasters? 

It will if you carry comprehensive coverage. This benefit covers non-collision damage, which can include damage or loss of your machine from wildfires, windstorms, and other natural catastrophes. 

How Much Does Snowmobile Insurance Typically Cost? 

You’ve got a lot of variables in play here, including the extent of your coverage, your deductible, your own driving history, and the cost of your ride, among others. A ballpark figure is that your coverage could cost anywhere from under $100/year to around $500/year. Yes, that’s quite a range, and it shows why it’s so important to discuss your needs and get a quote from a knowledgeable snowmobile insurance agent. 

Can I Insure My Snowmobile for Only the Winter Season? 

Many insurers will allow you to do that. Keep in mind, however, that your machine could be stolen, vandalized, or damaged even while in off-season storage. For that reason, ask your insurance agent for a policy that covers you year-round, but at a reduced rate during the off-season months when the risk is lower. 

Does Snowmobile Insurance Cover Accidents Caused by Other Parties? 

It does when you carry full coverage and the at-fault party isn’t insured or is under-insured. Or it’s a hit-and-run situation, or you live in a no-fault state, or there are other valid reasons payment won’t be coming from the responsible party. 

Have any more questions? Get additional answers here.