Michigan Snowmobile Insurance: 7 Reasons Why a Sled Deserves its own Stand Alone Insurance Coverage

Acquiring snowmobile insurance in Michigan is relatively easy. But getting the right coverage at the right price can be a bit more challenging. Many snowmobile owners simply attach their snowmobile onto their homeowners insurance policy. Be warned, coverages are not the same when attached to a homeowners policy as if you bought stand alone snowmobile insurance coverage. Not even close!




     These are the top 7 reasons why a snowmobile in Michigan is better off insured with a stand alone policy than it is being attached to a homeowners policy. Most all of stand alone snowmobile insurance policies have these coverages listed below, but a snowmobile attached to a homeowners insurance usually offers only limited coverage, or no coverage at all on any of these:

1. Many homeowners policies provide coverage for a covered snowmobile only on your own property. It does not cover you away from home.
2. Many homeowners policies will only cover snowmobiles used to service the property. "Service the property" is basically a $5 buzz phrase that means recreational use is not covered! Who owns a snowmobile but doesn't use it for recreational purposes?
3. Most homeowners policies do not provide any type of medical coverage for a snowmobile accident. Although some provide a minimal amount of coverage, none provide uninsured/under-insured motorist protection, or medical payments coverage.
4. Roadside assistance. You would be amazed at how little this coverage costs for snowmobiles.
5. Free accessory coverage included with comprehensive and collision coverage (up to a limit which varies by company).
6. Trailer coverage to haul your snowmobile. 65% of all snowmobile owners use a trailer to transport their sled.
7. Total Loss Coverage. If you have bought a brand new sled, many stand alone snowmobile insurance policies will offer total loss coverage, which would buy you a new sled of the same make and model in the event of a total loss.

.......... from checking out the list above, you may  be very surprised to see how little coverage your snowmobile insurance policy covers when attached to a homeowners policy. What may surprise you even more is the fact that the cost of stand alone snowmobile insurance coverage is really not that much more,if at all.


If you would like, I will be happy to quote you with the insurance companies I have that carry snowmobile insurance. All companies are stand alone snowmobile policies and they all offer most, if not all of the benefits I've listed above. And as always, I handle all quotes personally and privately.




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Related Blog Articles:

How-To Guide for Buying Michigan Snowmobile Insurance Online

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