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- Written by: Shelly Campbell
- Category: Snowmobile
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Many homeowners think snowmobiles are automatically covered on a home insurance policy, like a lawnmower or garden tractor. Typically, that kind of motorized equipment stays on the property and is used to maintain the grounds. One can argue that a snowmobile could be kept solely on the property and doesn’t need extra insurance. Check your policy. Some home policies exclude airplanes, boats over a specific size, snowmobiles, cars, trucks, and motorcycles unless endorsed onto the policy. You either must add a rider to your contract or buy a separate policy.
Why do you need snowmobile insurance? You can look to a motorcycle or ATV policy for answers. The only difference between a motorcycle and a snowmobile is that one is driven on dry ground and the other on snow. If you ride your snowmobile on what would generally be a paved or gravel road, you usually must prove you have snowmobile insurance that covers liability should you crash into another vehicle or run over a pedestrian. Yes, there can be a pedestrian on a snowy road. However, they usually have skis, snowshoes, or boots attached to their feet. State parks require proof of liability insurance if you drive an ATV or snow machine on snowy public land and can be fined by park officials for failure to provide proof of insurance.
If you go off from your property, you could be held liable for the damage or injury you may cause by your negligence that results in an accident. Some snowmobile policies offer medical coverage for the driver and passenger as well. We’ll be happy to quote your snowmobile and keep you covered while enjoying what winter offers. Also, if you have financed your snowmobile, we can send your lender proof that you have insured the machine against theft and damage, so they get paid if a loss occurs.