Snowmobile Insurance

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What is it?

Snowmobile Insurance can help you repair or replace your snowmobile if it gets damaged, but more importantly it provides liability protection in case you injure someone or damage someone’s property while snowmobiling.

What's covered?

You can select the following coverages on most snowmobile policies:

  • Liability (bodily injury and property damage): If you injure someone or damage someone’s property while riding the snowmobile, this coverage pays for the resulting medical bills or costs to repair the damaged property.
  • Comprehensive: This coverage extends for damage caused by non-collision events, like theft, fire, or hail.
  • Collision: If your snowmobile is damaged in a collision, this coverage will pay to repair or replace your snowmobile.
  • Accessory coverage: Coverage for things like helmets, windshields, custom seats, riding gear, eyewear, etc.
  • Trailer coverage: Coverage for a towed trailer or a transport trailer.
  • Uninsured/underinsured motorist: Coverage for bodily injury/property damage if the rider that caused the damage does not have insurance or does not have enough coverage to fully cover the costs.
  • Medical payments: This coverage can extend to pay for injuries you sustain in an accident while riding your snowmobile, regardless of who was at-fault for the accident.

How does it work?

  1. If you have a loss: Call us at (303) 597-1667 as soon as possible for claim assistance.
  2. Most states do not require you to carry Snowmobile Insurance, however that does not mean you will not be sued if you injure someone or damage property while snowmobiling.
  3. If you finance your snowmobile, your financing company will likely require you to carry comprehensive and collision coverage on your snowmobile.
  4. Most annual Snowmobile Insurance policies factor in the period of time you are able to ride in an average year and set the annual rate accordingly. If there is only snow for a few months in the winter, the annual rate will reflect that.

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