For more information or to request a quote, call The Hartford's Nutmeg Insurance Agency:
The Hartford Offers Snowmobile Insurance Coverage You Need
Your snowmobile insurance needs can vary depending on where you live and how you use your recreational vehicle. The Hartford's Nutmeg Insurance Agency offers coverage for your snowmobile through a trusted specialty carrier and makes choosing the right coverage for you easy.2 We will guide you through our available options to help you decide which customized snowmobile insurance fits your needs. Get a free quote today to learn more.
What Is Snowmobile Insurance?
Snowmobile insurance is a type of auto insurance that’s designed to protect your snowmobile. Typically, snowmobile insurance covers your vehicle if it’s damaged by a covered loss, like a collision with another vehicle or object, fire and theft. It also provides protection if you are found responsible for someone else’s injuries or property damage while riding your snowmobile. If you own a snowmobile, it’s a good idea to get this coverage
How Much Does Snowmobile Insurance Cost?
The average cost of snowmobile insurance ranges from $150 to $300 per year.
However, the cost you’ll pay for snowmobile insurance coverage depends on several factors, including your:
- Driving/riding history
- Location
- Age
- Snowmobile make and model
Discounts on Snowmobile Insurance Quotes
One of our representatives or your insurance agent can help you find eligible discounts that are right for you. For example, you may qualify for specific discounts to help you save money for doing things like completing a snowmobile safety course or paying your bill in full.
Many states require you to carry liability insurance for your snowmobile. If you lease or finance your snowmobile, you may also need to insure and protect yourself with collision coverage. No matter where in the United States you live, you’ll enjoy riding even more knowing that The Hartford has you protected with these coverage options:
Important Snowmobile Insurance Coverages
Many states require you to carry liability insurance for your snowmobile. If you lease or finance your snowmobile, you may also need to insure and protect yourself with collision coverage. No matter where in the United States you live, you’ll enjoy riding even more knowing that The Hartford has you protected with these coverage options:
- Collision coverage: This helps pay for damage to your snowmobile if you are in an accident with another vehicle or object. This does not cover snowmobile accidents with animals.
- Other Than Collision (also referred to as comprehensive coverage): With this coverage, you’ll get help paying for snowmobile damage caused by fire, theft, vandalism or an accident involving an animal.
- If you’re in an accident with an underinsured or uninsured motorist, this coverage will help you pay for damage to your snowmobile or injuries to you or your passengers.
- Medical payments: This coverage helps pay for medical expenses for you and your passengers if you’re in a snowmobile accident.
- Bodily injury liability: With this liability coverage, you’ll get help with legal costs if you’re in a snowmobile accident and injure another person.
Additional Snowmobile Insurance Coverage
Need more coverage? Take a look at these additional options:
- Increased liability coverage to choose the amount of coverage you need to protect your financial assets
- Optional equipment coverage for things like towable trailers
Annual Snowmobile Insurance Policies
Are you riding your snowmobile year-round? We offer insurance options and coverage to meet your specific needs. Request a snowmobile insurance quote from The Hartford today.Common Questions About Snowmobile Insurance
Should You Have Insurance on a Snowmobile?
Not all states require snowmobile insurance coverage. Even if your state doesn’t say you have to have snowmobile insurance, your lender may require it if you lease or finance your snowmobile. In the event of an accident, snowmobile insurance can help protect you by paying for damage and injuries.
How Does Snowmobile Insurance Work?
If you are in an accident, snowmobile insurance can help pay for medical payments from injuries and the cost to fix your snowmobile. Snowmobile insurance coverage can also help pay for damages to your snowmobile caused by fire, theft or vandalism.
Does Homeowners Insurance Cover Snowmobiles?
Homeowners insurance doesn’t typically cover snowmobiles, so you’ll need to have a separate policy.
Get a Snowmobile Insurance Quote
With snowmobile insurance coverage from The Hartford, you can enjoy winter fun without having to worry. Call us today to get a free snowmobile insurance quote. You can reach a customer service representative by calling The Hartford's Nutmeg Insurance Agency at 800-555-2510.
With snowmobile insurance coverage through a trusted carrier from The Hartford's Nutmeg Insurance Agency, you can enjoy all the winter fun a snowmobile has to offer. Call us today to get a free snowmobile insurance quote. You can reach a customer service representative by calling 800-555-2510.
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Last Updated: March 19, 2024
2 ValuePenguin, “Snowmobile Insurance: What Does It Cost?”
Not all coverages are available in all states.
Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. This Program is underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Southern Home Insurance Company in FL and LA, American Modern Home Insurance Company d/b/a American Modern Insurance Company (Lic. No 222-8) in CA, American Family Home Insurance Company in AR and GA (Personal Watercraft only) and American Modern Home Insurance Company in all other states, or by one of the licensed insurers of Foremost Insurance Company through Nutmeg Insurance Agency Inc. Nutmeg Insurance Agency Inc. is an affiliate of Hartford Fire Insurance Company, One Hartford Plaza, Hartford, CT 06155. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by the insurance companies of American Modern Insurance Group, Inc or Foremost Insurance Company.
Additional disclosures below.