Whether you’re cruising snowy trails for fun or utility,  insurance is essential to protect your investment, yourself, and others. Depending on your location, certain coverages may be required by law, while others are highly recommended for full protection.

Here are the main snowmobile insurance coverages you should consider:

1. Liability Insurance

Liability insurance is the foundation of any policy. It provides coverage if you:

• Injure someone while operating your snowmobile

• Damage someone else’s property

• Face legal action after an accident

This coverage helps pay for medical expenses, property repairs, and legal defense costs.

2. Physical Damage Coverage

This protects the snowmobile itself and typically includes:

• Collision coverage: Pays for repairs if you hit another vehicle or object

• Comprehensive coverage: Covers non-collision damage like theft, fire, vandalism, or weather-related incidents

3. Uninsured/Underinsured Motorist Coverage

If you’re hit by a snowmobiler who has no insurance or insufficient coverage, this insurance helps cover your:

• Medical bills

• Lost wages

• Snowmobile repairs

4. Medical Payments Coverage (MedPay)

Medical payments coverage provides quick access to funds for medical care if you or your passengers are injured in an accident—regardless of fault. It helps with:

• Emergency care

• Hospital stays

• Ambulance services

5. Accessories Coverage

If you’ve added upgrades or custom equipment—like GPS systems, heated grips, or trailers—accessory coverage helps protect your investments against damage or theft.

6. Trailering Coverage

Trailering coverage protects your snowmobile while it’s being transported. It covers:

• Damage during transit

• Theft from the trailer

• Accidents that occur while trailering

Final Tip

Always check your state or region’s insurance requirements, as laws vary. Customizing your policy ensures full protection whether your snowmobile is parked, being transported, or on the trails.