With more than 22,000 miles of groomed snowmobile trails in Minnesota, there is no shortage of fun to be had in the winter. Snowmobiles are a fun and exciting way to enjoy the cold season, but the costs of owning a sled can be significant.
Many people assume their snowmobiles are covered by their homeowners insurance. But the personal property section of your home insurance covers items such as personal tools, Christmas decorations, and fishing gear in the event of damage or loss as a result of fire, windstorms, hail, lightning, theft, or vandalism. This means anything that is motorized must have its own insurance policy.
What does a snowmobile policy cover? Take a look:
Snowmobiles may be small, but they can inflict serious damage. Whether you run into another snowmobile or plow down your neighbor’s fence, liability insurance helps cover the bill when you are held liable for someone else’s injuries or property damage.
Snowmobiles are expensive to repair and even more expensive to replace. Collision protection can help cover the cost of your own sled repairs or replacement if you are involved in an accident.
Problems can happen anywhere and anytime–even when you are not riding. If your snowmobile is stolen during the off-season or takes a beating during bad weather, non-collision coverage can help cover repair or replacement costs.
- Coverage for aftermarket parts and accessories
- Towed trailer and transport trailer coverage
- Uninsured and underinsured driver coverage for bodily injury and property damage in the event that another person causes harm to you or your snowmobile and does not have insurance to pay for damages
- Accessory coverage for such things as helmets, windshields, custom seats, riding gear, and eyewear
- Increased liability limits to cover the costs of a liability claim or lawsuit
If you are considering owning a snowmobile or already do, brush up on your state’s laws from the American Council of Snowmobile Associations so you are in compliance and stay safe.
Next, talk to us to go over your coverage so you can hit the trails!
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