Snowmobile Insurance

For fans of snow sports, the landing of the white stuff is a cause for celebration. Getting out and about in a snowmobile can be an exhilarating way to enjoy the great outdoors. It also offers a chance to spend time as a family and make the most of the snowy weather.

With 1.4 million snowmobiles registered in the USA, snowmobiles are big business. As with any vehicle, however, there are risks associated with climbing on board. Snowmobile insurance is not just a sensible purchase. It is a legal requirement in many states. 

The Lake Region Insurance Agency understands the Minnesotan love of all things winter. Give us a call to make sure you have the right coverage for your fun in the snow.

What Is Snowmobile Insurance?

There are four main areas covered by snowmobile insurance:

  • Collision coverage helps cover the cost of repairs if your snowmobile collides with a tree, fence, or another obstacle. 
  • Bodily injury liability coverage protects you if you accidentally injure someone with your snowmobile. It can help you meet the cost of medical and legal bills that may occur.
  • Property damage liability coverage comes into play if you damage someone’s property with your snowmobile. Repairs and legal fees may be covered.
  • Comprehensive coverage covers the costs of repairs or replacement if your snowmobile is stolen or damaged. 

Why Do I Need Snowmobile Insurance?

If you love your time on the snow, then you need snowmobile insurance to provide protection. Some owners mistakenly think that their auto insurance covers their snowmobile, too. Unfortunately, that is not the case. You need a separate policy.

Sadly, accidents are a part of life, and the risk is far higher when slippery snow is on the ground. Fixing or replacing your snowmobile is expensive, and you may find yourself without it if the costs are too high. A thorough insurance policy can cover these costs, allowing you to keep enjoying the snow without concern.

You can also have coverage for theft, loss, or damage to your snowmobile, bringing you peace of mind. Investing in a policy now could save you a lot of cash in the event of an incident.

If someone sustains injuries as a direct result of your snowmobile, you may find yourself liable for costs. This can add up quickly to tens of thousands of dollars in medical and legal fees. Protect yourself by a policy to cover any eventuality. 

Similarly, damage to property can become an expensive problem if you are responsible. The right coverage can protect you from a sky-high bill down the line.

Many states legally require riders to purchase snowmobile insurance. So failing to procure insurance is not only dangerous; it may be breaking the law.

How Can We Help?

At Lake Region, we are independent insurance agents who work with your best interest in mind. We are the experts in all types of insurance and are here to help you find the best policy for your needs. Give us a call today for a complimentary quote and enjoy those snowy days with full security, coverage, and peace of mind!

CUSTOMER REVIEWS