Many homeowners believe a home insurance policy automatically covers snowmobiles, similar to lawnmowers or garden tractors. Typically, that kind of motorized equipment stays on the property and is used to maintain the grounds. One could argue that someone can keep a snowmobile on the property solely to move about an acreage and doesn’t need extra insurance. Check with your agent. Some home policies exclude airplanes, boats over a specific size, snowmobiles, cars, trucks, and motorcycles unless attached by endorsement to the contract. You either must add a rider or buy a separate policy.