Snowmobile Coverage

Protect your winter adventures with flexible coverage levels and smart ways to save.

Ways to Save

Combine these discounts to lower your premium:

• Safety Course: 10% off for completing a certified course.

• Renewal: 10% off for each year you stay with us.

• Multi-Unit: 15% off if you insure two or more sleds.

• Association: 5% off for members of approved snowmobile clubs.

Choose Your Coverage Level

1. Full Coverage: Total protection—includes liability, collision, and comprehensive (theft/weather).

2. Liability + Comprehensive: Covers theft, fire, and weather damage, but not collisions.

3. Liability Only: The bare minimum required by law; does not cover damage to your machine.

Note on Payouts: Most policies pay Actual Cash Value (market value minus depreciation) for total losses or thefts.

Optional Add-Ons

• Transport Trailer: Covers physical damage to your trailer ($250 deductible).

• Medical Payments: Extra coverage for healthcare costs, ranging from $1,000 to $10,000.