Home / Top reasons to get snowmobile insurance

Top reasons to get snowmobile insurance


If you’ve not yet considered Denver snowmobile insurance, it’s about time to start doing so! You insure your car, your house, your kids, dirtbikes, pretty much any and everything you care about and have invested in– so why wouldn’t you insure your winter vehicle?

A common misconception about insuring snowmobiles is that you should only have insurance covering the cold months– which is just not true in the slightest. It’s a pretty smart idea to have your snowmobile insured year round in case the inevitable and unexpected happens, such as weather damage, normal wear and tear, and maybe even a natural disaster. In any of these cases, you’ll either be extremely grateful that you vied for year round insurance, or kicking yourself for deciding otherwise!

While there are tons of reasons to get at least some sort of insurance for your snowmobile, there are a few that stand out the most. Here they are:

You Can Choose Your Coverage

With almost all types of insurance, you are allowed a limited amount of flexibility to determine which insurance plan fits you best, so you don’t end up paying for services and coverage you’ll literally never use. Most insurance companies offer a wide variety of insurance plans so you can find your perfect price and preference fit!

Protection Against Nature & Humans

No one is perfect; accidents happen, and nature is unpredictable. Whether your insurance claim is made under the pretense of a fallen tree or a collision with another individual, snowmobile insurance can prevent you from paying out of pocket for any damages, injuries and other costly instances you may run into in the event of an accident. You can customize your plan to include simple liability, or a higher level of coverage!

Lots of Discounts

Numerous insurance companies offer TONS of discounts, for both new and existing customers. Some may offer a certain amount discounted upon your first purchase to get you to sign up, while also giving the opportunity to gain more discounts once you’ve been a loyal customer for an extended period of time. You are more likely than not to find a company that will offer you discounts!

They Really Cover EVERYTHING

Most snowmobile insurance policies include minimal to maximum coverage on all of the following, depending on what your preferences are:

  • Part and accessory repair and replacement
  • Transport
  • Collision and accidents
  • Towing
  • Year round coverage
  • Safety apparel
  • Liability

Like I’ve stated above, you can give or take a few of these depending on the policy you decide to go with, but the majority of plans cover at least half of this, even with the most minimal coverage. To conclude, the most important information to take away from this here today is that it’s best to have year round coverage, even for a winter recreational vehicle, and you can almost directly customize your insurance plan. It is ALWAYS a good idea to have insurance on all your assets and investments, even your snowmobile!

Mountain Insurance

The right coverage at the best price. Colorado's trusted insurance advisers since 1997

About Us

We are dedicated to providing our clients with the highest quality in business and personal insurance products and services at the most competitive prices in Denver, CO.

3705 Kipling Street, Wheat Ridge, CO 80033
303 420-4774