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Snowmobile Coverages

Snowmobile Insurance

When sled season arrives, all you can think about is getting out on your snowmobile. Wouldn’t it be nice to take the worry out of your favorite winter sport and focus on the thrill of riding? With American Family’s snowmobile insurance and the support of an agent, you can rest easy, knowing you’ll never ride alone.

Snowmobile Insurance Coverages

You’ll get key coverage for your sled in ways that can really help to insulate your savings, if something should happen. With our snowmobile insurance coverage, you can be better protected. If you damage property or others are injured as a result of a covered loss while driving your snowmobile, you’ll be glad you’ve got our snowmobile insurance.

Liability insurance

We all make mistakes. If you cause an accident on the snow, our liability coverages will help pay for injuries, property damage, first aid, lost wages and court costs, so you can focus on getting back to the sport you love. Covered drivers include you, relatives in your household and others who are driving your snowmobile with your permission. If you want more coverage — ask your agent for higher liability limits or a Personal Liability Umbrella policy.

Collision and comprehensive coverages

After deductible, our collision and comprehensive coverages help pay for repairs if your snowmobile is damaged, or pays you the value if it's a total loss or is stolen. With collision coverage, you’re protected if you are involved in a rollover or an accident with another snowmobile or stationary objects. Comprehensive insurance protects you in the event of theft or damage from fire, vandalism and falling objects. The season is short, so we work quickly to get you back on the trails before you even realize you left.

Personal property and safety apparel coverage

Don’t forget your snowmobile gear! Add this snowmobile policy from American Family and you also get coverage up to $200 for personal property and $1,000 in safety riding apparel.

Trailer coverage

You can’t ride if you can’t get to the trails. Add trailer coverage to your snowmobile policy for even more peace of mind.


Save for the Unexpected With Diminishing Deductible Coverage

When you have a snowmobile insurance claim, you might have to pay a deductible before your insurance company kicks in to cover the repairs or replacement costs. At American Family Insurance, we know that a deductible isn’t always the easiest thing to pay after an accident. But with our Diminishing Deductible, we hope to ease that burden by offering a way to reduce your collision and comprehensive deductible amount. Here’s how it works:

Earn Credit Immediately

We’ll credit your deductible $100 day one. Let’s say you have a $500 deductible. Good news — it just dropped to $400.

Watch Your Deductible Diminish

Your deductible will continue to reduce each year at policy renewal, up to your policy’s maximum limit, as long as you maintain your policy with us.

Savings When You Need It

If you have a claim, you’ll pay a reduced deductible amount thanks to your Diminishing Deductible coverage. Your deductible then resets, so you’ll go right back to earning a reduced deductible amount.

Learn more about Diminishing Deductible coverage >


Additional Snowmobile Insurance Coverage Options

When life’s journey takes you on unexpected twists and turns, these add-on coverages can help keep your dreams in motion.

Medical expense coverage

If you’re hurt while on your snowmobile, medical expense coverage will help pay medical bills for you and your passengers.

Uninsured motorist coverage

With uninsured motorist coverage you have protection if you or those riding on your snowmobile are hurt in an accident caused by an uninsured vehicle.

Underinsured motorist coverage

Underinsured motorist coverage helps pay for the balance when another driver is at fault and doesn’t carry enough insurance.

Snowmobile Insurance Discounts

When you bundle your insurance products, you may qualify for discounts with American Family. Here are a few types of discounts we’re offering to our snowmobiling customers:

How Much Does Snowmobile Insurance Cost?

Like auto insurance, your snowmobile insurance premium is made up of many factors. We’ll take into account your driving record, your credit score and the value of your sled, among other key pieces of information. Other considerations that weigh on the price of snowmobile insurance are your zip code and your age.

Snowmobiles come in many shapes and sizes, and so do our policies that insure them. Connect with an American Family Insurance agent to create a customized policy to protect your unique ride and keep your dreams on their snowy tracks.