Snowmobile Insurance in Massachusetts

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What is Snowmobile Insurance?

Many Massachusetts residents enjoy snowmobiling during winter, but the sport comes with a certain amount of risk. According to one peer-reviewed study, the sport accounts for about 14,000 injuries and 200 deaths each year. Snowmobile insurance policies won’t prevent any accidents from occurring, but it can help snowmobilers manage the financial consequences of a covered incident that they’re involved in.

Snowmobile insurance policies are highly specialized to meet the specific insurance needs of snowmobilers. While many of the coverages found in these policies are similar to those found in some other types of insurance policies, the coverages included in snowmobile policies are often adapted for the sport and its associated risks.

What Coverages Are Included in Snowmobile Policies?

Many of the coverages included in snowmobile policies mimic those found in auto insurance policies. For example, both types of policies frequently make available:

  • Bodily Injury Liability Coverage, which often covers injuries sustained by people not on an insured snowmobile or in an insured vehicle
  • Personal Injury Protection, which often covers injuries sustained by people on an insured snowmobile or in an insured vehicle
  • Property Damage Liability Coverage, which often covers damage caused to others’ property
  • Comprehensive and Collision Coverage, which often covers damage sustained by an insured snowmobile or vehicle
  • Uninsured and Underinsured Motorist Coverage, which often covers accidents caused by inadequately insured individuals

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In addition to these coverages, many snowmobile policies also offer accessories coverage. This coverage frequently helps snowmobilers protect their aftermarket parts, safety equipment and trailer. Accessories coverage is less common in auto policies.

(Policies’ exact coverages and the protections that those coverages provide can vary.)

Snowmobile Insurance Massachusetts

Do Snowmobile Policies Offer Roadside Assistance and Towing?

Some snowmobile policies make an emergency assistance program that includes towing available as an optional add-on. When comparing these programs, snowmobilers should check whether the towing includes towing from trails or only cover towing once a broken-down snowmobile is brought to the side of the road. An insurance agent who specializes in snowmobile coverage can help snowmobilers compare policies’ different programs.

Who in Massachusetts Needs Snowmobile Coverage?

Most Massachusetts residents who own a snowmobile should consider getting a snowmobile policy. The potential costs associated with covered incidents can be expensive without any coverage in place.

Additionally, snowmobilers who travel to other states may need insurance that at least meets those states’ minimum requirements. Vermont, for example, requires all snowmobilers who travel on state trails to carry minimum levels of coverage.

Snowmobile Insurance Massachusetts
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How Can Residents in Massachusetts Get Snowmobile Insurance?

For help finding Snowmobile insurance in Massachusetts, contact the independent insurance agents at Scotti Insurance Agency. Our agents can request architect policies from multiple insurance companies in the state on your behalf, and they have the expertise needed to help you determine which one is best for your situation.


For quotes or questions, reach out to the experts at Scotti Insurance Agency. We’ll be happy to assist you!

Scotti Insurance Agency

Scotti Insurance Agency

19 Mount Vernon Street
Winchester, MA 01890