Buying snowmobile insurance in Michigan is easy. But trying to find the right coverage at a reasonable price can be a lot more difficult. There are a few stumbling blocks that you need to avoid when selecting snowmobile insurance. I will go over those and give you some tips on finding a lower rate as well.
The main difference between good snowmobile insurance coverage and bad coverage:
The biggest pitfall I see is when some sledders purchase snowmobile insurance is buying the wrong type of policy. There are basically two types of policies: 1) snowmobile insurance that is attached to their homeowners insurance policy, and 2) exclusive snowmobile insurance that stands alone without being attached to any other insurance policy. A stand alone exclusive snowmobile insurance policy offers far better coverage than a snowmobile policy attached to a homeowners policy.
There are three major red flags to look out for on an attached snowmobile policy:
Of course, there are exceptions. There are some attached policies that offer adequate coverage just like stand alone snowmobile policies, but not many. If you are considering attaching your snowmobile to a homeowners policy, at least read the fine print of what is covered and what isn't. If you see one of the above red flags, run!!!
Other advantages of having a stand alone snowmobile insurance policy.
Most stand alone snowmobile policies also include additional optional coverages that are not usually available on an attached snowmobile policy:
The bottom line is this: Stand alone snowmobile insurance policies dollar for dollar offer far better value than a snowmobile that is simply attached to a homeowners policy. The difference in price between the two are usually very minimal.
Tips on how to get the best snowmobile insurance coverage at the lowest rate.
Now that you know which type of snowmobile insurance policy to buy, the next step is finding out how to get the best rates relative to the value of coverage. Here are some tips on that:
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How-To Guide for Buying Michigan Snowmobile Insurance Online
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..