Snowmobilers: Before Hitting the Trails Review Your Recreational Vehicle Insurance

snowmobilers sitting on a snowmobile | Kemner Iott Benz

While we haven’t seen record snowfalls yet this year across southern Michigan, northwest Ohio or Indiana, cold temperatures have brought snow farther north and allowed for the making of snow at some resorts. Which can only mean one thing to those of who love to snowmobile: It’s time to hit the trails for a winter adventure.

Sounds great, doesn’t it? Before you go, however, it’s a good idea to revisit your recreational vehicle insurance to make sure that your snowmobile insurance coverage is current, meets state and local requirements and provides the protection you need. Of course, if you have a snowmobile but don’t have insurance coverage for it, it’s especially important to review these tips and talk to one of our insurance professionals before you head out for a ride.

  1. Avoid a common error that many snowmobile owners make—thinking that damage to a snowmobile will be covered by an auto or homeowners insurance policy. Generally speaking, you’ll need a separate recreational vehicle insurance policy that offers coverage to protect your snowmobile—and you.
  1. We suggest you purchase liability coverage as well. Just like driving a car…accidents can and do happen to snowmobilers. What happens if you accidentally crash into another snowmobiler? You need to have insurance coverage to avoid being left open to experiencing a major financial loss from a lawsuit or significant medical bills.
  1. If you are a frequent rider with a new and expensive snowmobile model, consider collision and comprehensive coverage to protect your investment.
  1. Take advantage of multi-policy discounts. The good news about purchasing recreational vehicle insurance for your snowmobile is that you can often insure your sled with your existing homeowners or automobile insurance company and take advantage of multi-policy discounts. Our team can show you how.

Take a few moments now to revisit your insurance coverage for your snowmobile (and any other recreational vehicles you own) so that you can focus on enjoying your time on the trails knowing that we’ve got you covered. Contact us today— snowmobile season is short…it’s time to make the most of it!

Adrian:  517.265.7000   |    Ann Arbor:  734.971.1000   |   Cassopolis:  269.445.242  |  Howell: 517.546.6350

blonde-haired girl with arms crossed | Kemner Iott BenzAbout the Author

Chelsea Finch, of Adrian, is a customer service representative with Kemner Iott Benz. In her spare time, Chelsea enjoys spending time at the lake, singing, watching movies and spending time with her family. Chelsea graduated with a Bachelor’s degree from Eastern Michigan University in 2013.

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