When you live in Minnesota, snowmobile insurance is as important as car insurance. And when there’s fresh snow in the weather forecast, you want to be able to suit-up and enjoy yourself. The last thing you should have to worry about is whether your family, your friends and your equipment have adequate snowmobile insurance coverage. Here are some tips to follow to make sure you’re adequately covered so that you can have peace of mind when the snow flies.
Inventory your snowmobile equipment for insurance purposes
List what you own. To ensure that you will have the coverage that you need, it’s important to have an accurate and current inventory of your snowmobile equipment. Make a list of everything that you own that’s related to snowmobiling: equipment, accessories, apparel. Gather the receipts and keep them in one place. List the manufacturers’ name, models and ID numbers – spreadsheet software is ideal for this, but make sure you print out a hard copy for safekeeping.
List what you plan to buy. It’s a good idea to make a list of all of the snowmobile items that you plan to buy in the next few years. Of course, you won’t want to purchase insurance for items that you don’t own yet. But you can find out now whether they will be eligible for coverage and the approximate cost. With that kind of information, you will be able to budget more accurately and make better informed buying decisions in the future.
Find out what your snowmobile policy covers
The snowmobiles alone are not your only investment that should be covered. After taking inventory, you probably have a long list of extra equipment and accessories that you own
Helmets, safety goggles, boots, gloves, snow pants and jackets are all necessary when you and your family participate in snowmobiling. Snowmobile equipment and parts such as trailers, luggage racks, sleds, covers, skis and windshields represent a sizeable cost if you have to replace them.
You will want to make sure that the Minnesota snowmobile insurance policy you choose provides the coverage that you need at the best possible rate.
Consult with a professional insurance agent
As team members of a local insurance agency, we know all about snowmobiling in Minnesota. At Faribo Insurance, we are always happy to answer your questions and provide expert advice. Visit one of our convenient office locations in Faribault, MN…Hastings, MN…or Lakeville, MN. Or call us at 888-923-0430, email us or use the Quick Quote Insurance form to get a customized quote. We look forward to talking with you!