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Snowmobile Insurance Coverage... What Are My Options?

Coverage Options
  • Full coverage – You are covered for your liability, plus collision damage and comprehensive losses to your snowmobile. With full coverage you can add options to your policy.


  • Liability plus Comprehensive – Comprehensive coverage includes protection for theft or damage to your unit resulting from causes such as fire or weather, but not collision.


  • Liability only – You are insured for just the liability requirements of your state. Physical damage coverage to the machine is not part of the policy.

Actual cash value settlement – In the event of a total loss or theft, most carriers will pay the actual cash value, which includes a deduction for depreciation. For a partial loss the repair cost is paid, minus depreciation for damaged parts. The policy deductible applies.

Optional coverage

Transport trailer – Add physical damage coverage for a trailer designed to transport your insured snowmobile. $250 deductible applies.

Medical payments – Coverage starts at $1,000 and can be increased up to $10,000.

Available Discounts

Safety course – 10% for course completion

Renewal – 10% each successive year

Association membership – 5% for belonging to an approved snowmobile association

Insuring multiple units – 15% if insuring two or more


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