Snowmobile Insurance Coverage
Our customizable snowmobile insurance covers you, your vehicle and your gear in an emergency.
Standard Snowmobile Insurance Coverage
The right snowmobile insurance protects you in the snow and beyond. Learn more about our snowmobile coverages and build a custom policy that fits your needs.
What does a snowmobile insurance policy cover?
Types of Coverage in a Snowmobile Policy
Comprehensive and Collision Coverage
A comprehensive insurance policy covers theft, fire, vandalism and falling objects. A collision policy protects you, up to the policy's limit, if you roll over or crash into another snowmobile. No matter who's at fault, you're covered.
Another driver bumps their car into yours as they back out of a parking spot. Collision coverage can assist with any repairs you may need.
Liability: Bodily Injury & Property Damage
Our liability coverage protects you if you cause an accident in the snow. It'll help cover the other person’s injuries, property damage, first aid, lost wages and court costs so you can focus on your sport. You, your family and friends who drive it with your permission are also covered.*
After a fender-bender, the other driver goes to the hospital with a broken nose. Bodily injury liability compensates for their medical bill.
Personal Property Coverage
Personal property insurance covers your belongings up to $200 if they get damaged in an accident.*
You misjudge how close you are to the curb and your car breaks a neighbor’s mailbox. Property damage liability helps cover the purchase of a new one.
Safety Apparel Coverage
Don’t forget your snowmobile gear. Get up to $1,000 of safety apparel coverage for your helmet, boots and other gear and ride in safety.*
Your home suffers a fire with extensive damage to your personal property and valuables. This portion of your homeowners insurance helps you repair and replace them.
Snowmobile Insurance Coverage Add-Ons
Additional coverages can help pay for significant out-of-pocket expenses. Customize your snowmobile insurance policy further with add-ons to meet your specific needs.
Trusted by over 12 Million Customers & Counting
Over 90 years in business protecting our customers
Ranked by Forbes
Named one of America’s Best Insurance Companies by Forbes
12 Million Customers
Reliable, quality coverage for customers across 19 states
Start Your Quote
Customize your experience.
Learn more about pricing and coverage options for your snowmobile.
The information on this web page represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
*Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.
**Our Diminishing Deductible rewards you for being a responsible vehicle owner by crediting your deductible $100* each year, up to your policy maximum. It's a great way to help control what you pay for your vehicle coverage.
***In Georgia, Underinsured Motorist Coverage is included in Uninsured Motorist Coverage