Not All Snowmobile Insurance Policies in PA are the same: 7 pt. Checklist

Finding snowmobile insurance in Pennsylvania is very easy. Due to the fact that Pennsylvania is one of the few states that require all snowmobile owners to carry liability insurance coverage, many companies are happy to step up and offer coverage.


    However, be warned that not all policies are the same. Not even close! Many snowmobile insurance policies are very inadequate as far as what is covered and how much coverage is offered.


  So I came up with a checklist for those of you to review your snowmobile insurance policy before you buy.


    Look at the policy language closely. You're going to find some shortcomings in your coverage. This is especially true if you attach your snowmobile directly on to a homeowners insurance policy, as opposed to buying stand-alone snowmobile insurance coverage. And as you will notice, most of the shortcomings apply to exactly that.


   So before you pay for inadequate coverage, make sure your snowmobile insurance passes this checklist. If not you are severely limiting coverage.

1. Be sure there are no property or use limitations. As crazy as it sounds, many policies exclude snowmobile coverage off of your property. Other policies may exclude recreational use (how crazy is that?). Stand alone snowmobile insurance policies usually don't have these limitations but snowmobile policies attached to a homeowners policy sometime do.
2. Many policies do not offer uninsured motorist coverage. You might think that this coverage is not important on a snowmobile as it is a car. But the extra premium is very cheap (usually only a few extra bucks a year). For the coverage it offers, that''s a very small price to pay.
3. Many policies do not offer any type of medical coverage either.
4. Coverage in both US and Canada. Many snowmobile owners like to take their snowmobile north of the border. But many snowmobile policies won't cover you for that.
5. Coverage on a travel trailer. 65% of all snowmobiles are hauled on a trailer. Again, this is usually very cheap coverage.
6. Accessory coverage. A good stand-alone snowmobile insurance policy will offer this coverage for free with physical damage coverage up to certain amount. Additional coverage is also offered if you have a lot of money put into your sled.
7. Roadside Assistance. Again, very cheap coverage that may come in handy someday!

      If you would like to get a PA Snowmobile Insurance quote with my agency, simply click on the link below and fill out one short quote form. I will then run your quote through my snowmobile insurance companies and find you the company with the best rate. And as always, I handle all quotes personally and privately.
  
  
Get a PA Snowmobile Insurance Quote with Lyles Insurance


Related Blog Articles:

Video: Basics of a Snowmobile Insurance Policy

How-To Guide for Buying Michigan Snowmobile Insurance Online

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