Snowmobile insurance coverages

Snowmobiles need protection that's different from what your auto or homeowners insurance can provide. With Markel Specialty's customizable insurance, you can choose your level of protection, which will affect your snowmobile insurance cost.

Coverage for your snowmobile

Collision coverage can help cover the damages to your snowmobile in an accident involving collision or upset, regardless of fault and regardless if the other party has insurance. Deductible options are $500, $1,000, $1,500, or $2,000.

Comprehensive insurance coverage can help pay for damage to your snowmobile caused by a non-collision event. This could include fire, theft, vandalism, hitting a deer, etc. Deductible options are $500, $1,000, $1,500, or $2,000.

Accessory coverage
Accessory coverage is for those items added onto the snowmobile that were not included as standard by the manufacturer of the snowmobile. Aftermarket accessories can include, but are not limited to, windshields, storage bags, custom seats, covers, skid plates, and even your helmet and riding gear (if used exclusively with the insured snowmobile). Accessory packages ranging from $500 to $30,000 are available.

Uninsured/underinsured motorist property damage
This coverage can provide additional protection against damage to your sled caused by a motorist who has no snowmobile insurance or insufficient coverage, and is considered at fault.

Coverage for you

Medical payments coverage
Medical payments coverage can help cover excess medical payments (after other medical coverage) for the insured snowmobile's operator or passenger regardless of fault, subject to coverage limit and deductible.

Uninsured/underinsured motorist bodily injury
This coverage can provide protection for your injuries or death if you are involved in a snowmobile accident with a motorist who has no insurance or insufficient coverage, and is considered at fault.

Funeral expense coverage
Pays up to a predetermined amount for funeral expenses associated with a snowmobile accident resulting in the death of an insured person who was occupying the insured snowmobile.

Coverage for others

Bodily injury liability
Bodily injury liability coverage can help protect you if you're at fault in a snowmobile accident that causes injury, sickness, or death to someone else.

Property damage liability
Can provide protection if you're at fault in a snowmobile accident that causes damage to someone else's property.

*Insurance, coverage, and discounts are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. For questions or a complete definition of coverages and discounts available to you, please call 800-236-2453 to speak with a snowmobile insurance specialist.

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