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From recreational to more practical reasons, snowmobiles are of great value, especially to people who live in Minnesota. However, operating a snowmobile can be dangerous. Riding out in the slippery snow under harsh winter conditions alone is inherently risky.

Snowmobiles can also be veryexpensive. When you consider the price of snowmobiles, and the risks involved with operating them, the importance of having a good snowmobile insurance policy becomes clear. 

With several different coverages available to you, your snowmobile insurance policy can be quite extensive, covering many of the risks involved with owning and riding a snowmobile.

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Most snowmobile insurance companies offer the following types of coverages:

  • Liability:
    • Bodily injury – This type of liability coverage will help pay for costs associated with injuries suffered by others in an accident you cause.
    • Property damage – This coverage will help pay for costs associated with damages to other people’s property in an accident you cause.
  • Collision – If you are involved in a collision and your snowmobile gets damaged, this coverage will help with repairs or replacement of your snowmobile.
  • Comprehensive – If your snowmobile suffers damages in a non-collision incident, such as fire or vandalism, this coverage will help to repair or replace your snowmobile.
  • Medical payments – If you are hurt in an accident while riding your snowmobile, this coverage will help you with your medical-related costs.
  • Uninsured – If your snowmobile is damaged, or you are hurt in an accident caused by someone who does not have insurance, this coverage will help pay for your costs.
  • Underinsured – This coverage will help if you are in an accident caused by someone who does not have enough insurance coverage to cover your costs.
  • Roadside assistance and towing – If you need roadside assistance due to a problem with your snowmobile, this coverage will pay for on-site labor and towing.

Remember, not all insurance companies are the same. While the above coverages are very common, not every snowmobile insurance provider will have every type of coverage. Likewise, you may also find some companies that offer several other types of snowmobile insurance coverages.


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