Winter Means Snowmobiling — Are You Insured?

Winter Means Snowmobiling — Are You Insured?

Are you getting ready to take your snowmobile out of storage? Before you hit the trails, make sure you check that your insurance is still valid. If not, you could be left paying for medical expenses, liability lawsuits, and any damages out of your own pocket. But that’s not all you have to worry about! Here we’ll show you why it’s so important to have the right coverage for your recreation vehicles.

Off-Roading is Unpredictable

With a layer of snow on the ground, it’s hard to tell what lies beneath. If you hit a patch of ice or run over rough terrain, you could end up with physical and life-threatening damage. And if you don’t have the proper insurance coverage, you could end up having to pay for your own medical expenses as well as any expenses incurred by those riding with you. Even if you’re a cautious rider who takes all the necessary safety precautions, off-roading is too unpredictable not to have insurance coverage in place to protect you.

Accidents are Expensive

Pulling a snowmobile out of a pond or repairing physical damage can be extremely expensive, even when it’s not your fault. That’s why you need the insurance to cover any damages and to ensure that your snowmobile is replaced in the event of an accident.

Home Insurance Doesn’t Always Cover It

Does your home insurance already cover your snowmobile? It’s rare that it does, and unfortunately, most people assume that they have coverage when they don’t. Plus, not all snowmobile insurance covers 2 and 4 stroke engines, the trailers used to tow your snowmobile, and any additional equipment you have installed. That’s why you need to talk to one of our brokers — we’ll make sure you have the right coverage for your needs.

Theft and Vandalism is High

You don’t just need insurance to cover you when you’re out on the snowmobile, but also when it’s parked or stored away. Our insurance brokers can find you the customized coverage necessary to protect your snowmobile from theft and vandalism when it’s parked.

Don’t be careless when it comes to protecting your personal property. For over 80 years, our insurance brokers at MLS has been safeguarding our community members with recreational vehicle insurance policies. If you own and ride a snowmobile, we will find you the best coverage at the most competitive prices. No matter if you ride once a year or twice a day, we’ll get you the policy you need for your lifestyle. Get a free quote today!

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