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Should I Attach my Snowmobile Insurance to my Homeowners Policy?

10/14/2012

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Should I Attach a Snowmobile Insurance my Homeowners Policy?


    Homeowners policies vary greatly from one company to another, so there's no definite answer... But generally, purchasing stand alone snowmobile insurance provides much better coverage as opposed to attaching it to a homeowners policy. There are several factors to consider:
          
  Problems with snowmobiles being insured under a homeowners policy:
  • Many homeowners policies do not provide coverage for a covered snowmobile away from your property.
  • Believe it or not, many homeowners policies only cover a snowmobile while it is "servicing the property" (meaning recreational use is not covered ..... What's up with that?!!!!)
  • Most policies do not offer medical coverage or uninsured motorist coverage. These are both available with stand alone snowmobile insurance.
  • Most policies do not include additional optional coverages.
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Benefits of having snowmobile insurance on it's own policy that you will unlikely see as a homeowners attachment:
  • Free accessory coverage included with comprehensive and collision coverage (up to a limit which varies by company).
  • No hassles about recreational use (as long as the snowmobiles are not used for commercial purposes).
  • Snowmobiles get rated in the motorcycle category. As an off road vehicle (long story short), this means rates are much lower than you might think stand alone coverage would be. 
  • Canadian coverage is usually available, if not included.
  • Roadside assistance.
  • Trailer coverage to haul your snowmobile.
Summary: When it comes to snowmobile insurance, it's kind of like snowflakes, no two policies are alike. But as a general rule, snowmobile insurance by itself offers much better coverage at surprisingly affordable rates.


 I carry companies that offer the best coverages for snowmobile insurance.  And as always, I handle all quotes myself personally and privately. Click on the link below and I will find you the company with the best rate.


  

Get a Snowmobile Insurance Quote with Lyles Insurance


​Call me for a Quote



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    Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..

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