Sled insurance with great rates and fantastic coverage.
About Sled Insure
We are an agency specializing in snowmobile insurance. In fact we are the largest snowmobile insurance agency in the United States! We also insure other recreational products like boats, ATV.s, side-by-sides, snow bikes, motorcycles, motor homes and travel trailers. We ride sleds and know sleds, and we understand how to find you great coverage at the best price.
We are licensed from Alaska to Maine, and we write snowmobile insurance in all 50 states! Representing the finest snowmobile insurance companies in America, we do the shopping for you to find the best possible price.
Let’s face it, snowmobiling is expensive! Let the experts at Sled Insure protect your money and investment at the lowest possible price.
This strategy of finding great snowmobile insurance coverage at the lowest possible cost has been the key to our phenomenal growth and success. Complete an application and find out how much you can save!
Plans & Coverage
People have different insurance needs, depending on the value and use of the boat,which is why we offer a variety of packages and specialized coverages. Most people are concerned with the amount of coverage to repair or replace the boat after a loss along with decent limits of liability coverage, others are looking for saver packages which are perfect for the price-conscious shopper who want basic coverage at an affordable cost.
We can usually tailor a specific package to meet your needs while eliminating some expensive coverages that may never be necessary.
Liability coverage
All policies offer liability coverage for injuries and property damage caused to others in a snowmobile accident. Increasing these limits is often affordable. If you have a personal umbrella policy, you may need higher snowmobile liability limits, such as $250,000 for Bodily Injury per person, $500,000 per accident, and $100,000 for property damage.
Ask us about the cost of increasing your coverage. For a little extra, you can better protect your assets in case of a lawsuit from a snowmobile accident.
Comprehensive coverage
Comprehensive coverage protects your snowmobile from unexpected and accidental losses, except for upset or collision. This coverage includes damage from events like fire, theft, vandalism, falling objects, wind, smoke, floods, or even sinking through ice on a frozen lake or river.
Collision coverage
Collision is the most common cause of snowmobile damage. Even at low speeds, hitting objects like rocks or stumps can twist the frame and total the snowmobile. Additionally, an auto accident could result in your trailer and sleds being totaled. To be covered, you must have collision coverage specifically for your snowmobile, as your truck’s auto policy won’t cover snowmobile collisions.
Additional & optional coverages
Getting a free quote is easy!
Have questions or prefer a quote over the phone? Feel free to call our friendly insurance professionals at 1-518-725-7000, or apply for a safe and secure quote online.
Frequently asked questions
How can I get a snowmobile insurance quote from Sled Insure?
You can get your information by calling our friendly insurance professionals at 1-518-725-7000 or by applying via our secure online form.
In what states does Sled Insure 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.
If I live in another state but mostly use my snowmobile in Sled Insure’s coverage area, can I still get coverage?
Usually yes, if you live in another state we can insure your snowmobile provided it is mostly used in either: AK, CO, CT, DE, ID, IA, ME, MA, MD, 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 SledInsure.com.
If someone totals my new snowmobile before I have coverage will his homeowners' insurance cover it?
No, snowmobiles are not covered on homeowners’ policies.
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 in court or pay the claimant’s damages.
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 (upset). 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 and sinking through ice on a lake or river.
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 when you fully insure at least one snowmobile.
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.
Do I need special proof of insurance if I bring my sled to Canada?
Yes, SledInsure.com can issue you a Canada Non-Resident Inter-Provincial Motor Vehicle Liability Insurance Card.
What discounts can I receive to save money on my premium?
Discounts can add up quickly. We work hard to find all of your possible discounts. Discounts include: two or more snowmobiles on one policy, more than one policy with the same company, snowmobile club membership, renewing your policy with us, completing a snowmobile safety course.
What other products does the Sled Insure Agency specialize insuring?
We specialize writing insurance on anything fun. This includes ATV’s, Motorcycles, Side-By-Sides, Snow Bikes, Boats, Personal Watercraft, RV’s, Travel Trailers, Fish Houses, Manufactured Homes and Motor Homes. We usually can save you money on these money on these policies as well! Writing a second policy with us may also reduce your snowmobile insurance premium cost by getting you a multi-policy discount!
Does Sled Insure offer insurance for Snow Bikes?
Yes, we can write full coverage your Snow Bike even when they are converted back to a dirt bike. We are one of the few agencies writing Snow Bikes.
Didn't see your question?
If you have any other questions or need further assistance please feel free to contact us by calling our friendly snowmobile insurance professionals at 1-518-725-7000.