Home » Extra Coverage Options to Add to Your Snowmobile Insurance Policy
December 5, 2023
Debonie Thompson

Extra Coverage Options to Add to Your Snowmobile Insurance Policy

It’s almost time to break out your snowmobile and hit the trails. Before you take it out for your first spin of the season, take some time to review your snowmobile insurance policy. Vermont requires every snowmobile operator to have snowmobile insurance. Do you have just the bare minimum insurance? If so, some extra coverage options are well worth considering.

Year-Round Coverage

Snowmobiles typically see seasonal use. Because of that, it’s common for snowmobile insurance policies to have a lay-up period that allows policyholders to save money. That works pretty well for some people, but what about during the off-season? You aren’t using your snowmobile, so you might think you don’t need year-round coverage. It’s worth considering though. Year-round coverage offers protection against theft or damage during the off-season. You’ll give up the cost-savings that the lay-up period offers, but the security you get in return may be worth the trade.

Accessory Coverage

You probably have various pieces of equipment that you use whenever you take your snowmobile out. Adding accessory coverage means that your accessories and equipment such as custom seats, helmets, goggles, windshields, and more will be covered if they are damaged or stolen. It may not make sense to add accessory coverage if you haven’t invested a lot of money into accessorizing your snowmobile. If you have, however, and you don’t want to pay to invest in them again if something happens to them, adding accessory coverage may be an excellent idea.

Uninsured/Underinsured Coverage

Despite Virginia law requiring a certain amount of insurance coverage for every snowmobile operator, not everyone complies with the law. Some people may not have adequate coverage or may not have any coverage at all. Uninsured/underinsured coverage takes care of that. You can rest easy knowing that you’ll be taken care of if you end up in a collision and suffer personal injuries or property damage no matter what level of coverage the other person has.


Snowmobiling can be a ton of fun. Protect the source of your fun with a solid snowmobile insurance policy. A basic policy should be enough to satisfy Vermont’s legal requirements, but adding extra coverage options provides extra protections and additional peace of mind. Consider what level of coverage makes sense for you so you can customize your policy to fit your needs.

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