Many homeowners believe a home insurance policy automatically covers snowmobiles, similar to lawnmowers or garden tractors. Typically, that kind of motorized equipment stays on the property and is used to maintain the grounds. One could argue that someone can keep a snowmobile on the property solely to move about an acreage and doesn’t need extra insurance. Check with your agent. Some home policies exclude airplanes, boats over a specific size, snowmobiles, cars, trucks, and motorcycles unless attached by endorsement to the contract. You either must add a rider or buy a separate policy.

Why do you need snowmobile insurance? You can look at a motorcycle or ATV policy for answers. About the only difference between a motorcycle and a snowmobile is that one rolls on dry ground and the other on snow. You usually must prove you have snowmobile insurance that covers liability should you crash into another vehicle or run over a pedestrian if you ride your snowmobile on what would generally be a paved or gravel road. Yes, there can be a pedestrian on a snowy road. However, they usually have skis, snowshoes, or boots attached to their feet. State parks require proof of liability insurance if you drive an ATV or snow machine on snowy public land, and park officials may fine uninsured operators for failure to provide proof of insurance.

If you go off your property, you could be held liable for the damage or injury you may cause by your negligence that results in an accident. Some snowmobile policies offer medical coverage for both the driver and the passenger. We’ll happily quote your snowmobile and keep you covered while enjoying what winter offers. Also, if you have financed your snowmobile, we can provide your lender with proof that you have insured the machine against theft and damage, ensuring they are paid in the event of a loss.