There is no denying that New England residents are prone to some snowy winters. If you are an avid snowmobiler, or enjoy winter activities, snowfall means getting to hit the slopes and trails! Before heading out, the first thing you should do is to make sure you have the proper insurance. If something were to happen to your snowmobile, you would have to pay out-of-pocket for any damages if you were not insured. We all hope the winter season brings fun memories and safe adventures, but you never know what could happen. Talk to an agent about Massachusetts snowmobile insurance and enjoy all the fun winter brings without the worry.

Taking your snowmobile out on the trails can lead to a pretty fun day. Due to the snow and ice that most of the trails consist of, accidents can happen. You can never be too prepared for the unexpected, such as rough weather conditions or other drivers out on the trails. Having a snowmobile insurance policy can protect you! Our agents are happy to find you an affordable policy that best suits your needs. No matter how far you may travel, or who you are traveling with, having the right coverage is crucial to your safety. When looking for the proper protection, you should know what types of coverages the policy will include. Some coverages for snowmobile insurance include:

  • Property damage liability can help protect you if you are the cause of any property damage or injury to others while driving your snowmobile.
  • Bodily injury liability can protect you in the event you or another passenger is injured in an accident at which you are at fault.
  • Collision coverage can protect you in the event that you are in an accident with another snowmobile.
  • Comprehensive coverage offers you protection for damages done to your snowmobile from something other than a collision.

How well do you know the state you live in? Did you know these fun facts about MA?

  • The John Hancock Tower in Boston is sixty stories tall and has over thirteen acres of glass.
  • The first National Women’s Rights Convention was held in Worcester in 1850.
  • Due to its large campus, Harvard in Cambridge does not have a mailing address that will work for every office at the university.

Some states require you to have snowmobile insurance for liability reasons, if someone were to be injured while riding your snowmobile. Keep in mind, some states may not require snowmobile insurance, but if you travel to another state to ride, that state may require coverage. Snowmobile insurance is very similar to auto insurance. You can get coverage for the snowmobile itself, physical damage coverage and liability coverage for injuries. The policy requires you to list all drivers, including unlicensed drivers. Different companies set different age limits for drivers, most excluding any driver under 10 years old. It is important to let your agent know who all the regular users of your snowmobile are and their ages. Another important thing to keep in mind is the risk you expose yourself to when lending out your snowmobile, whether it is covered by an insurance policy or not. As the owner of the vehicle, you are legally responsible for any damages, personal injury or property damage done by that vehicle.

Whether you live in a state that requires insurance on your snowmobile or not, at the very least, having liability coverage is always a good idea. Accidents do happen, and without a policy you may be found personally liable for tens of thousands of dollars, if not more, for another person’s injuries. Massachusetts snowmobile insurance policies are relatively inexpensive and the coverage can be reduced during the off season when the snowmobile is not being used. You can even save money by bundling it with your existing renters, condo or home insurance policy. Some factors that go into the cost of the snowmobile policy are:

  • The size of the engine of the snowmobile
  • The cost of the snowmobile when it was brand new
  • The amount of physical damage coverage you purchase
  • The amount of liability coverage and medical payments you purchase
  • Driving records of the listed drivers may affect the premium as well

During the winter season, or even during the off season, you can never be too prepared for what might happen. Having a MA snowmobile insurance policy can keep you covered year round. Your snowmobile is a huge investment; give it the protection it deserves! Depending on your riding habits, you may want to discuss additional coverage or coverage for when you store your snowmobile. Talk to an agent about the option of an umbrella insurance policy, in case extra liability protection is in your favor.

Give the agents at Encharter Insurance a call today at 888.754.8299 or use our contact form above to get a quote for your snowmobile insurance and protect your ride!

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