Is your Michigan Snowmobile Insurance Policy Adequate?

Finding snowmobile insurance in Michigan is easy. Finding snowmobile insurance with all the best coverages and options is not so easy! Many snowmobile insurance policies look good on the surface, but take a close look at what specific coverages you have and at what levels of coverage. You may be in for a big surprise when you compare it to a quality snowmobile insurance policy. This is especially true if your snowmobile is attached to your homeowners policy.

Here are some key parts of snowmobile insurance that your policy may be missing:

• Off premise coverage & recreational use - Hard to believe, but many snowmobile policies only cover sleds "while servicing the property". That means that accidents that happen off of your property and accidents that happen during recreational use is not covered (what's up with that!!??).
• Injury coverage - Many polices do not offer medical payments or uninsured motorist coverage on snowmobiles (this is also true for many other types of off road vehicles).
• Travel trailer coverage - up to $10,000 is offered.
• Accessory coverage - Free with comprehensive and collision coverage up to $3000, with optional coverages of up to $30,000 (these numbers vary slightly depending on the company).
• Coverage in Canada - Many snowmobile owners like to take their sleds north of the border. Many policies won't cover you in Canada.

    
The snowmobile insurance companies that my agency carries offer all of the above coverages. If you find that your snowmobile insurance policy doesn't stack up, it may be time to get a snowmobile insurance quote elsewhere.




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