Snowmobile Trips & Snowmobile Insurance
It feels a lot less like the end of December thanks to the lack of snow we have experienced in the northeast. Many of us are totally okay with very little snow and wouldn’t mind this streak keeping up throughout winter. If you own a snowmobile, you are wishing and hoping for the snow to arrive. Chances are you have the snowmobile out of the shed and you are waiting to get started. Hopefully, if you have lowered your coverage for the off months, you have upped your coverage to where it should be.
The first things to understand about your snowmobile insurance are the policy options and coverage options available to you. Next, it’s helpful to understand coverage for another situation, taking a snowmobile trip. Do you need more insurance coverage? Will your home or auto insurance come into play to cover you? Read more to find out.
Policy Options
If you live in an area where you are not able to ride throughout the whole year, you probably cancel your coverage in the offseason. While this makes sense for most cases you think about, consider that your snowmobile could be damaged, even if you aren’t riding it. In that circumstance, you’d want to be sure you had snowmobile coverage or you could end up paying out of pocket.
In the event that you do cancel your snowmobile insurance policy in the summer, be sure to have snowmobile insurance before you ride your snowmobile. While you cannot prevent the chance that an accident will take place, you can be sure you have the coverage you need if it does happen.
Coverage Options
Like with a car, coverage decisions are individual. There is collision and comprehensive coverage just like with a car. Collision would cover you in the event that you were in an accident and comprehensive would cover any non-collision situations.
There are also options to have liability and physical damage coverage. Liability is essential, especially if you have other riders. If a passenger is hurt while on your snowmobile, this could help with medical bills. How much coverage and what type of coverage you have are up to you and your unique needs. The best thing to do is to speak directly with an insurance agent about the options you have. Our agents can help design a policy that fits all of your individual needs.
Snowmobile Trip Coverage
If you are lucky enough to have other friends and family that ride, you may consider a snowmobile trip. This may
include renting a house and probably bringing with you more than you normally would if you were only riding for a couple hours or even a day. Would you be covered for this? Chances are your home insurance would cover your personal possessions. If you rent a house and your snowmobile were to be stolen or damaged on that property, it would still be your snowmobile insurance coverage that protects you.
If you don’t own a snowmobile, you may consider renting one. In this instance you may opt for rental coverage if it is offered. If it isn’t you would want to ask wherever you are renting from who would be liable if it were damaged, maybe they will be responsible. Your home insurance or auto insurance will not cover you for a rented snowmobile.
No matter where the road takes you, it’s important to know you have snowmobile insurance to protect you. Snowmobile insurance can cover everything from a collision with another snowmobile to someone being hurt while on your snowmobile insurance. Give our agent a call at 888.865.1244 and they can help you get the coverage you need for your snowmobile trip.
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