Being from Wisconsin we are very familiar with snowmobile insurance. When you purchase a snowmobile policy, you’re going to want to be aware of a few things. I’m going to touch on a couple of these items here to day so you have a little more knowledge when you go out to shop for your snowmobile insurance.
Now, snowmobile insurance, the biggest thing you want to protect yourself against is liability coverage. That’s if you injure somebody or if your actions cause somebody else to be injured or if you damage someone’s property under the course of riding your snowmobile. You’re going to want to carry liability insurance.
There are different levels of coverage you can buy. Typically it starts at 50,000 and goes up. If you have an umbrella policy, you can add a snowmobile under your umbrella policy to give you upwards of a million dollars of liability coverage. But again, you want to make sure you have liability coverage.
You also have the option to purchase uninsured and underinsured motorist coverage. That covers you in case somebody hits you while you’re riding your snowmobile, and they don’t have any insurance or not enough insurance to cover your injuries. You can talk to your agent about that or you can talk to us here at Philleo Agency as well.
There’s a couple of other coverages that you may want to add to your snowmobile too. And they fall under the headline of physical damage, physical damage for the sled itself. It would cover if the vehicle is damaged while you’re riding it. It can cover it while it’s in storage. So if you have it stored in a garage and there’s a fire there, or a theft.
So physical damage is going to be a wide array of coverages. It could be damaged while it’s being towed, if you’re taking the sled from one place to another and it’s damaged. Again, physical damage is what’s going to protect you on that.
Typically you select a deductible, anyway from 250 all the way up to a $1,000 is common, and the higher deductible you take, the lower your rate will be. You do not have to have the physical damage coverage on your snowmobile policy. You can get a basic policy with liability only and that will protect you as well when you’re riding, but make sure you have the minimum policy of liability coverage when you’re out riding. You have to have that to protect yourself.
Again, being from Wisconsin we’re very familiar with snowmobile coverage. If you’d like to learn more about snowmobile coverage or your particular situation, what the cost may be, or how to protect yourself best, just give us a call here at the Philleo Agency, or you can reach us through Philleo.com.
