SnowMobile Insurance in Vermont

Snowmobile Insurance for Vermont Riders

Vermont is sometimes called “America’s Winter Playground” and for good reason. With 100-200 inches of annual snowfall in some areas, the possibilities for winter fun are endless. Snowmobiling is a popular winter activity, but accidents and damage may not be properly covered under your homeowners or auto insurance policies. For the best protection, you need a snowmobile insurance policy.

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Common Coverage


Snowmobile policies can be as basic or comprehensive as you wish. Similar to car insurance, most snowmobile owners will want to purchase at least a minimum amount of liability insurance to cover injury and damage to a third party. 

Other Snowmobile Insurance Options Provided in Vermont

Most snowmobile policies include some or all of the following protections:

1. Bodily Injury Liability: For injuries or death to another driver or pedestrian.

2. Property Damage Liability: For damages caused to other vehicles or property.

3. Medical Expenses: To help cover your injuries sustained in an accident with an insured driver.

4. Collison Coverage: For damages to your snowmobile in a collision accident.

5. Comprehensive Coverage: To help pay for any damages not resulting from a collision. This can include theft, vandalism, damage done during storage, and other causes.

Savings and Strong Coverage

Additional Snowmobile Coverage Options

There are a variety of other types of coverage that can be included in your policy, with broad protections for you and your snowmobile. Your agent can help you determine which of these options is right for you.

  1. Annual Coverage: Vermont winters can start early and end late. With annual coverage, you shouldn't be limited to a pre-set riding season, but rather can confidently ride whenever there is snow on the ground.

  2. Safety Apparel Coverage: Helmets, goggles, and other apparel items can minimize injury in a crash. With this coverage, if these items are damaged in a crash, you have coverage that can help replace them.

  3. Trailer Coverage: Often, you need to transport your snowmobile from your home to riding location. If you have a specialty trailer for this purpose, you can add this coverage to your policy.

  4. Optional Equipment: If you tow a trailer or sled or have added valuable after-market additions to your snowmobile, they are not usually covered under a basic policy. 

Snowmobiling can be an expensive hobby. Most policies will allow you to choose your liability limits so you can easily increase your coverage for third party injuries and damage.

You have the Vermont landscape covered with snow, your snowmobile, helmet, and goggles. Be sure you also have proper snowmobile insurance before you set out to enjoy your winter day. A comprehensive insurance policy will help to protect you against accidental injury and damage, protecting your investment and your fun.

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