Snowmobile insurance coverages

Illustration of people riding snowmobiles and a checkmark and shieldIllustration of people riding snowmobiles and a checkmark and shield

Time is short to hit the trails on our snowmobiles. If something unfortunate happens, you want to get back to riding as soon as possible with your sled and snowmobile equipment back in prime form.

We can help make sure you’re properly covered with affordable snowmobile insurance that includes the coverages listed below.

We not only care that you’re protected, we also want to help you save on the cost of snowmobile insurance. Don’t miss our snowmobile insurance discounts and off-road vehicle insurance bundling opportunities that can put money back in your wallet.

Snowmobile coverage options

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Bodily injury liability

Snowmobiling has its risks—today’s snowmobiles weigh less and go faster. Bodily injury liability coverage can help you if you cause an accident where someone gets hurt—or worse—by paying for covered lost wages, medical bills, and other expenses.

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If you hit a rock, tree, stump, culvert, or another trail hazard, collision insurance coverage can help cover the cost of the damage to your snowmobile.

Illustrations of a snowmobile being hit with hail


Your snowmobile is a sweet ride. Others may think so, too. Protect your sled in the case of theft or vandalism (along with fire or weather-related incidents) with comprehensive insurance coverage.

Illustration of two people on a snowmobile

Guest passenger

Riding with a loved one or friend is part of the snowmobiling experience. Guest passenger insurance coverage can help pay for medical bills if you’re in at-fault accident and your passenger is injured.

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Medical expense

As the title of this coverage indicates, having medical expense insurance coverage may help you pay for your medical bills should the friendly trails take an unfriendly turn.

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Optional/special equipment

A snowmobile isn’t your snowmobile until it gets some personal touches, right? Optional/special equipment insurance coverage can help protect against damage to or permanent loss of custom equipment you add that isn’t factory standard.

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Personal injury protection (PIP)

No matter who’s at fault, personal injury protection helps cover medical costs for you and any other eligible person. This coverage may be limited in some states.

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Physical Damage Plus

If your snowmobile is in an accident, you want it repaired to its original state. That includes the right replacement parts. When you have Physical Damage Plus on your snowmobile insurance policy, only genuine, original manufacturer replacement parts are used when your snowmobile is repaired.

Illustration of a snowmobile hitting a mailbox

Property damage liability

Snowmobiling often means trail riding on the property of others. Property damage liability coverage helps cover the costs should you damage someone else’s property, like a fence or building. Note: This doesn’t cover damage to your own property.

Illustration of a person using crutches and another person with a broken arm

Underinsured motorist bodily injury

If you’re in a collision and the other rider or driver is at fault but doesn’t have enough insurance to cover the cost of your injuries, underinsured coverage can kick in up to your coverage limits.

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Snowmobile rides can include passage over frozen waterways, including rivers and lakes. If you happen to break through the ice, submersion insurance coverage can help pay salvage or recovery costs.

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Enhanced permissive use

If you allow someone who’s not listed on your policy to ride your snowmobile and they get into an accident, enhanced permissive use coverage can help with those costs.

Please note: This coverage only applies to liability coverages above the minimum limits, in situations when a permissive driver is in an at-fault accident.

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Transport trailer

In most cases, you use a snowmobile trailer to transport your sleds to your riding location. Transport trailer insurance coverage may help pay for your trailer if something happens in transit

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