Snowmobile Coverage Options
Liability Coverage
Idaho requires liability coverage for snowmobiles operated on public trails and roads. Bodily injury and property damage liability protect your finances if you cause an accident. We recommend carrying limits well above the state minimum — trail collisions can cause serious injuries.
Collision & Comprehensive
Collision covers damage from crashes with objects, other sleds, or rollovers. Comprehensive protects against theft, fire, vandalism, falling trees, and avalanche damage — all real risks in North Idaho backcountry. Your sled is covered year-round, including off-season storage.
Accessory & Custom Parts
Aftermarket tracks, heated grips, GPS units, cargo racks, and upgraded exhaust systems aren't covered under standard policies. An accessories endorsement ensures your add-ons are insured at full replacement value — not the sled's base MSRP.
Uninsured Rider Coverage
Not every rider on the trail carries insurance. Uninsured/underinsured motorist coverage pays for your medical bills and sled repairs when the at-fault rider doesn't have enough coverage — essential on busy trail systems like those near Mullan and Wallace.
