Snowmobile insurance helps keep you covered whether you’re shredding through fresh powder, carving tight trails, or even adventuring through backcountry terrain. Snowmobile insurance can help pay for sled repairs if you roll it, damage from hidden tree stumps or ice chunks, or even if it gets stolen. Make sure you stay covered!
Find the protection that fits your ride.
Liability
Liability coverage can help cover your obligation to pay damages arising out of legal liability to others if someone else is injured or their property is damaged.
Collision
Collision insurance helps when your sled takes a hit, whether you smack a tree, roll your sled in deep snow, or tangle with another rider on the trails. It helps cover the cost to repair or replace your sled, no matter who’s at fault.
Comprehensive
Comprehensive coverage helps protect against anything other than a crash like fire, weather-related events and theft. Don’t let thieves ruin your season!
Snowmobile types that Kemper can help cover.
Trail sleds:
Typically for beginners and casual riders who want a smooth, easy ride on groomed trails.
Mountain sleds:
Typically for beginners and casual riders who want a smooth, easy ride on groomed trails.
Crossover sleds:
For riders who want a versatile sled for both trail riding and off-trail exploring.
Utility sleds:
For workers, hunters, and farmers who need a tough sled for hauling and heavy tasks.
Touring snowmobiles:
Typically for long-distance riders who want comfort, storage, and space for a passenger.
Call us for a quote!
Kemper has partnered with Progressive to provide better value and better service for snowmobile insurance and more. Call for a quote today.
Frequently asked questions about snowmobile insurance
Even when you’re not riding, it’s still important to have snowmobile insurance, like in case it gets stolen. Without coverage, you may have to pay out-of-pocket to replace or repair your sled if something happens.
While not required in every state, we still highly recommend snowmobile insurance. Not just in case something were to happen to either you or your sled, but also because some parks and recreational areas may need you to be insured to ride.
Depending on your policy, modifications and equipment made to your sled may be covered. Talk to your insurance agent to see what can be covered or if you need any additional endorsements for more protection.
You may qualify for an accident-free discount or safety course discount. Ask your agent about discounts you may qualify for.
Kemper provides snowmobile insurance coverages through non-affiliated insurance companies to help you save time and money. You'll be able to customize your coverage during the quote process so you can find a rate that will help protect your snowmobile and fit your budget.
The provided material is for marketing and educational purposes only. Coverage options, limits, and availability vary by insurer and location, subject to policy terms and conditions. Restrictions, exclusions, and deductibles may apply. Check your policy documents for full details.