Off-road vehicle and snowmobile insurance provides coverage for your toys.

Enjoy your toys on the trail or on the snow knowing you’re covered with off-road vehicle/snowmobile insurance.

Off-road vehicles aren’t typically covered by home or auto.

If you assume your off-road vehicle is already covered by your existing home or auto insurance policies, you’re in for a big surprise. Many home insurance policies exclude ATVs, dirt bikes, snowmobiles, golf carts, and other vehicles, so you could have to pay out of pocket if your vehicle is stolen or damaged. Additionally, standard auto insurance policies typically won’t cover such vehicles, given the unique risks of driving off-road. Your off-road vehicle needs protection that’s different from what your auto or homeowners insurance can provide.

Policies can be customized to your off-road vehicle and usage.

A specialty policy will usually be custom-made for your off-road vehicle and the way you use it. As with ordinary car or truck insurance, you may be able to choose from several components to help keep you and your off-road vehicle safe and secure while you explore. Here are some of the most common types of vehicles that can be covered with insurance:

What does off-road insurance cover?

Collision coverage may pay out for the damage to your off-road vehicle, whether you collide with another vehicle or an obstacle like a fence or tree. Bodily injury and property damage liability components may cover the costs you must pay to other people if you and your off-road vehicle are responsible for the damage. Comprehensive coverage may be obtained to help protect you from the costs associated with the loss or damage of your off-road vehicle if it’s stolen or damaged by severe weather or natural disaster.

Factors to consider when covering your off-road vehicle.

To keep costs lower, consider a policy with a limited mileage allowance each year. You may also be eligible for discounts if you complete a safety course. And if you already have auto insurance or other policy, you may be able to get a multi-policy discount if you add your off-road vehicle.

Are you looking for off-road vehicle insurance to help protect your toys? Contact us to learn more.

Why do you need insurance for snowmobiles?

As simple as a snowmobile might seem, it produces many of the same financial risks as a car. Things like accidents, breakdowns, property damage, and injuries can arise when driving your snowmobile. That’s why snowmobile insurance is a must for your peace of mind and protection for your investment.

Coverage options to consider in your snowmobile policy.

Like auto insurance, when it comes to insuring your snowmobile, you may want to consider policies that cover liability costs if you are held responsible for a collision. This may include damage to other vehicles and property, as well as medical bills for other people. You may also get collision coverage, which covers the costs of your own snowmobile. This is important to have if you have hired or leased the snowmobile.

  Is snowmobile insurance required by law?

Snowmobile insurance is only required by law in some regions, not all. However, it’s important to still get coverage, as you would have to pay out-of-pocket for liability claims, property damage, and medical expenses.

  Can you get roadside assistance coverage?

Yes, you may be able to include roadside assistance coverage in your policy, so if you break down and need help, you may be covered for associated costs.

  What is uninsured/underinsured motorist coverage?

If an uninsured or underinsured motorist causes an auto accident when you are driving your snowmobile, uninsured/underinsured motorist coverage may compensate you for bodily injuries and lost wages.

Extra coverage for an extraordinary recreational activity.

You may also get coverage that may protect you against damage to your snowmobile from sources other than a collision, such as fire, theft, or flooding. Look for policies that cover your own equipment costs and medical bills in cases of no-fault collisions, or where the other driver is uninsured or underinsured.

Flexibility to find a snowmobile insurance policy.

When it comes to snowmobile insurance, there is a wide range of coverage options, so you may find a policy for your snowmobile. It’s important to consider protecting yourself, others, and the investment you’ve put into your ride by insuring your snowmobile.

Are you looking to find a snowmobile insurance policy that suits your needs? Contact us to go over the coverage options available for your snowmobile so you’re ready when the snow starts to fall.