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Winter Fun needs protection, too....
With a Snowmobile insurance policy, you will receive wide-ranging coverage* for you and your sled, such as:

  • Bodily Injury & Property Damage Liability
  • Comprehensive & Collision
  • Uninsured/Underinsured Motorist
  • Medical Payments
  • Roadside Assistance
  • Accessory Coverage

Does Snowmobile insurance include my snowmobile accessories?

Snowmobile insurance may include accessory coverage, depending on your state. Ask your snowmobile insurance agent for
details. Depending on where you live, accessory coverage may be included at no additional charge when Comprehensive or
Collision coverage is purchased. Generally, at least $1,000 of accessory coverage is provided, but this amount varies by
state. In some states, additional accessory coverage may be purchased up to a total limit of $30,000.

Accessories are defined as equipment, devices, enhancements and changes other than those that the manufacturer originally
installs, that alter the appearance or performance of your snowmobile. This includes, but is not limited to:

  • Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals
    or play back recorded media, other than those originally installed by the manufacturer, and that are permanently
    installed on your snowmobile using bolts or brackets, including slide-out brackets.
  • Trailers designed to be pulled behind a snowmobile.
  • Custom paint, engine modifications, and suspension/springs.
  • Exhausts, racks, saddlebags, hitches, seats/backrests, and windshields.
  • Safety apparel, including helmets. (Coverage is provided in the event of a Collision loss. Theft is not covered.)
  • Plow blades or winches.
Please note: Your snowmobile insurance agent recommends you retain photos of your snowmobile and all receipts for your
snowmobile accessories.

For details on the level of coverage available to you, talk to your independent snowmobile insurance agent.

*Coverages are dependent on the issuing Insurance carrier.

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