Ask the Agent: Do I Need Insurance for Snowmobile Rentals?

Snowy destinations often offer winter weather fun like snowmobiling, skiing, snowboarding and much more. Snowmobiling can definitely add excitement to your winter getaway, but before you hit the trails, be sure you’re covered in case of an accident. If you’re thinking about renting a snowmobile, there are a few things you need to consider:

Your current coverage

  • If you have snowmobile insurance for a sled you own, your policy may not cover the damage to a rental or damage caused to someone else’s property while operating a rented snowmobile.
  • Contact your local agent to check your auto, home and snowmobile policies to see what, if any existing insurance will cover your rented snowmobile.

Purchasing snowmobile rental insurance

  • Before purchasing snowmobile rental insurance from the company you’re renting from, be sure to read the fine print. Review the policy to see if it provides the desired spectrum and amounts of coverages, including:
    • Bodily injury: If you cause an accident this coverage will help cover costs associated with injuries suffered by others.
    • Property damage: If you cause an accident this coverage will help cover costs associated with damage to others’ property.
    • Comprehensive: This coverage will help pay for non-collision incidents like vandalism, fire, etc.
    • Collision: This coverage will help pay for damages to your snowmobile as a result of a collision. 

Snowmobiling Etiquette 101

Be sure to have the proper snowmobile rental insurance so you can enjoy your day of fun. If you have questions on what is covered on your existing auto, home or snowmobile coverage, connect with your local Farm Bureau agent