Snowmobile Insurance Quote


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Snowmobile Insurance

Frequently Asked Questions

  1. How can I get a snowmobile insurance quote from

    You can get your information by calling our friendly insurance professionals toll free at 1-800-562-6036. We are a subsidiary of First Credit Corporation located in Gloversville, NY in the southern Adirondack Mountains of upstate New York.

  2. In what states does SledInsure write coverage for snowmobiles?

    Our coverage area includes Alaska, Colorado, Connecticut , Idaho, Illinois, Iowa, Maine, Massachusetts, Michigan , Minnesota, Montana , New Hampshire, New Jersey, New York, North Dakota, Ohio, Pennsylvania, Rhode Island, Utah, Vermont, Wisconsin, Wyoming.

  3. If I live in another state but mostly use my snowmobile in SledInsure’s coverage area, can I still get coverage?

    Yes, if you live in another state we can insure your snowmobile provided it is mostly used in either: AK, CO, CT, ID, IA, ME, MA, MI, MN, MT, NH, NJ, NY, ND, OH, PA, RI, UT, VT, WI, WY. Example: Someone living in New Jersey who trailers their sled to New York can get a policy from

  4. If someone totals my new snowmobile before I have coverage will his homeowners' insurance cover it?

    No, snowmobiles are not covered on homeowners' policies.

  5. Why do I need snowmobile insurance?

    Insurance for snowmobiles is a must. It is generally inexpensive and homeowners' policies exclude liability and property damage caused by snowmobiles. If you injure someone with your snowmobile your homeowners' policy will not defend you or pay the claimant’s damages.

  6. What is the difference between collision and comprehensive coverage?

    Collision covers accidental loss or damage to your snowmobile because of a collision with an object or another snowmobile or if your snowmobile is damaged if it rolls over. Comprehensive covers anything other than a collision loss. Examples of comprehensive losses that are covered include: vandalism, theft, fire, explosion, water or flood, contact with birds or animals, damage from falling objects.

  7. Do I need to insure my snowmobile trailer or is that covered on my auto insurance policy?

    Damage to your trailer is not covered by your auto policy. We can usually add comprehensive and collision damage for your snowmobile trailer for as little as $10 per year when you fully insure at least one snowmobile.

  8. Does my snowmobile insurance cover me if I ride in other states or Canada?

    Your policy automatically adjusts to meet other states’ minimum coverage requirements. Your coverage also extends to Canada.

  9. Do I need special proof of insurance if I bring my sled to Canada?

    Yes, will issue you a Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card.

  10. What discounts can I receive to save money on my premium?

    Discounts can add up quickly. Discounts include: two or more snowmobiles on one policy, snowmobile club membership, renewing your policy with us, completing a snowmobile safety course.

  11. Is there a lay-up period on the insurance policy?

    Yes, in most of our states, the premium is discounted for a lay-up period from April 15th through October 15th for liability, uninsured motorist and collision. If the covered snowmobile is being operated on snow or ice between these dates, then the lapse in coverage does not apply. The lay-up period does not apply to comprehensive coverage.

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Sled Insure is wholly owed by licensed independent property and casualty insurance agent / broker T. Samuel Hoye,
First Credit Corporation of New York, Inc. 21 North Main Street, Gloversville, NY 12078
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