Before you reach out for a snowmobile insurance quote, you may wonder if you even need a policy. After all, it isn’t a legal requirement in every state. However, you should consider the many potential risks involved with sledding—high speed, low visibility, unpredictable storm conditions, and the varied experience levels of other riders.
Plus, while they don’t have the horsepower of passenger cars, snowmobiles still reach high speeds and can cause significant damage in a collision. In addition to the risk of accidents involving other sleds, there’s also the possibility of falling through the ice, colliding with a wild animal, or flipping your vehicle. The right collision and comprehensive coverage can help you recover from these common snowmobile accidents.
If you’ve been in a collision, chances are your sled needs at least a few repairs. Collision coverage will be essential for covering various types of damage to your snowmobile caused by an accident.
When there’s a risk of accidents, there’s a risk of injuries too. Therefore, your policy will include bodily damage liability insurance along with collision coverage for snowmobile repairs.
Property damage liability covers instances in which you damage someone else’s property. For example, if you lose control of your snowmobile and collide with someone’s garage, your policy can cover the costs of structural repairs (minus the deductible on the policy).
Just like any other piece of property, your snowmobile may be the target of theft or vandalism. Alternatively, it could be damaged by hail or other weather events. Comprehensive coverage on your snowmobile insurance will kick in for these types of damages.
Do vast open tracts of freshly fallen snow trigger your sense of adventure? If so, you may be one of many residents of the Northeast who seeks thrills on the back of a snowmobile. Or perhaps you live in an area where your snowmobile is your best source of transportation during winter storms. Either way, you will want to protect your snowmobile and yourself with insurance.
Snowmobile insurance is an insurance policy precisely planned to protect snowmobiles and those who ride them. It covers damages to the snowmobile, injuries, and other liabilities incurred while operating it.
If you’re looking for snowmobile insurance in Vermont, fill out the form at the bottom of this page to get a free insurance quote, or you can also reach out to us directly.