Liability
Most snowmobile insurance policies offer bodily injury and property damage liability in case you cause an injury or damage another's property while riding your snowmobile.
Uninsured and underinsured motorists
Similar to your auto policy, uninsured and underinsured motorist coverage protects you in case you're injured by another rider without insurance, or not enough of it.
Comprehensive and collision
Comprehensive coverage pays to repair or replace your snowmobile in the event it is vandalized or stolen. It also covers your sled from other non-collision related accidents, such as fire damage, hitting an animal, or damage from weather. Collision covers you sled if it's damaged in an accident with another vehicle or object.
Medical payments
In the event you, your passenger, or anyone else involved in a snowmobile accident is injured, a snowmobile policy may pay for hospital bills.
Accessories and equipment
For any enhancements or upgrades you've made to your snowmobile that were not part of the factory build, you may be able to receive coverage to repair or replace them if they get damaged.