The holidays and snow are always a good idea, but… Are you protected to enjoy it? Getting snowmobile insurance must be your priority if you own one of these offroad vehicles.  

Owning a recreational vehicle can be a dream come true. It gives you the freedom to travel and the capability to explore new places, but with freedom comes responsibility. Should an accident happen – such as property damage, vandalism, or bodily injury as a result of a crash – it’s reassuring to know that your investment is protected. 

Like other types of insurance, snowmobile insurance policies consist of collision, liability and comprehensive coverage. The policy limits you set should be based on the total value of the snowmobile as well as how much you could be sued for in the event of a liability dispute. Snowmobile insurance is a requirement in some states and is always a smart idea to avoid paying out of pocket for damages. Learn more about specific snowmobile coverages below. 

Regardless of skill level or experience, every snowmobile driver needs snowmobile insurance. Hitting the snow without adequate coverage could mean you are unprotected against medical payments and collision costs in the event of an accident. NHC Insurances offers many types of snowmobile coverage — you can choose the best policy for your lifestyle and budget. 

As with car insurance, you can stick to basic policies that cover liability costs if you are held responsible for a collision. This can include damage to other vehicles and property, or medical bills for other people. You can also get collision coverage, which covers the costs of your own snowmobile. This is often a must if you have hired or leased the snowmobile. 

You can also get comprehensive coverage that protects you against damage from sources other than a collision, such as a fire, theft or flooding. Look for policies that cover your own equipment costs and medical bills in cases of no-fault collisions or ones where the other driver isn’t adequately insured. 

The upside of this wide range of policy options is that you can usually find the perfect balance of coverage and costs to meet your needs and budget. 

Whether you’re an experienced outdoor enthusiast or just starting out, we have a policy to fit your needs. From cars to boats to snowmobiles; NHC Insurance can help ensure the safety of both you and your vehicle. Our insurance options provide you with the same service and rich features you can expect – from comprehensive and collision coverage to personal injury protection and towing costs. 

For more information, visit our office or give us a call at 310-221-0917