snowmobile insurance

Custom parts reflect who you are — and they're an important part of what makes your sled distinctly yours. That's why Safeco provides $3,000 per snowmobile in custom parts and equipment coverage at no charge. Whether you've added custom handguards for warmth and protection against branches, a skidplate for your sled, or a GPS system so you can always get home, Safeco has the coverage you need. You also have the option to increase coverage up to $20,000 per snowmobile. So express yourself!

If something happens to your snowmobile, you want to be sure the repairs are done right. Safeco's snowmobile policy automatically includes use of original equipment manufacturer (OEM) parts during repairs.

We appreciate that you're serious about snowmobiling safety. To reward you, Safeco provides up to $1,000 per person, per incident to replace your helmet, snow boots, goggles, gloves, and other protective gear lost or damaged in an accident. All at no extra cost and with no deductible. This is also included with liability-only policies and is something only Safeco Insurance offers.

Comprehensive coverage helps pay for repairs or replacement if your snowmobile is stolen, vandalized, or damaged in some way other than a collision. This coverage also protects you against loss or damage from flooding, fire, falling objects, wind, and collision with an animal.

This coverage helps pay for repairs to your snowmobile for damage caused by an accident regardless of who is at fault. So you’re covered if your snowmobile is hit by or collides with another object.

No matter who is at fault, coverage is available to pay hospital bills and other medical care expenses for you and any passenger injured in an accident.

This helps pay for hospital bills, medical expenses, and other costs related to an accident you are responsible for that injures someone other than a guest passenger. This coverage is the amount available to other people in the event of an injury. Since even relatively minor snowmobiling accidents can incur significant medical costs, having enough bodily injury liability is important for your protection. Talk with a Safeco agent to assess your risk.

Specifically covers medical expenses for a guest passenger riding with you on your snowmobile. This does not include your spouse, or other household family members, who are already protected under your medical coverage. Though this coverage is optional, it's highly recommended if you like taking friends out for rides.

This helps pay for repairs to someone else's snowmobile, vehicle, or personal property if you're responsible for an accident.

What happens if you're hit and injured by another vehicle and that vehicle does not carry enough coverage? Uninsured motorist (UM) and underinsured motorist (UIM) coverage provide the protection you need. While your health insurance may pay medical bills, UM/UIM coverage will pay your medical deductible, lost wages, pain and suffering, scarring, permanent impairment, and other care you need that isn't covered by your health insurance.