Do you need snowmobile insurance?

What kind of coverage do you need for your snowmobile?

Every snowmobile insurance policy includes liability coverage, including bodily injury and property damage. This coverage may protect you if you're responsible for someone else's injuries or property damage in an accident.

If your snowmobile policy only includes liability, damage to your snowmobile won't be covered. You need comprehensive and collision coverage to protect against physical damage, theft, or vandalism. If you're financing your snowmobile, your lender will likely require comprehensive and collision.

Is snowmobile insurance required by state law?

Insurance requirements for snowmobiles vary by state. Check your state government website for your state's snowmobile insurance laws.

Why is snowmobile insurance important?

Snowmobiling is exciting, but it can lead to accidents and expensive repairs or injuries. If you cause an accident, snowmobile insurance may cover others' damage and injuries up to the limits of your liability coverage.

Plus, your snowmobile is a valuable asset, and you may want to protect it against loss or damage with comprehensive and collision.

Does snowmobile insurance cover theft?

Yes, theft is typically covered if your snowmobile policy has comprehensive coverage. Your insurer may pay to replace your stolen snowmobile, minus your deductible. Comprehensive may also cover your snowmobile if its damaged by vandalism, a collision with animals, or breaking through the ice into water.

Are snowmobiles covered by homeowners insurance?

No, homeowners insurance generally won't cover any vehicles in your garage or off your property, including snowmobiles. You'll need a separate snowmobile insurance policy to protect your snowmobile.

However, if someone is injured while riding a snowmobile on your property, personal liability coverage under your homeowners policy may cover their hospital bills up to the limits of your coverage.

Ride protected with snowmobile insurance from Progressive