Great rates. Fantastic coverage.

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A little about the Sled Insure Agency.

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, motorhomes 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 over 30 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!

Did you know: Sled Insure also offers motorcycle, side-by-side, atv and watercraft insurance?

Why choose Sled Insure?

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Three Basic Snowmobile Insurance Coverages

People have different insurance needs, depending on the sled, which is why we offer a variety of coverage.
Some other optional coverage's besides these three can include medical payments, accessory coverage, snowmobile trailers and uninsured/underinsured motorist bodily injury.

Liability Coverage

All policies include some level of liability coverage. This will covers injuries, as well as property damage that you may cause to others as a result of a snowmobile accident.

It is usually relatively inexpensive to increase these limits. If you happen to have a personal umbrella policy, they generally require higher snowmobile liability limits such as $250,000 Bodily Injury per person, $500,000 per accident and $100,000 in property damage liability.

Be sure to ask us the price for higher limits. It’s not much more money to help protect your assets should you get sued in court for a snowmobile accident.

Comprehensive Coverage

Comprehensive coverage protects your snowmobile from most sudden and accidental losses to your snowmobile other than upset or collision. 

These causes of loss under comprehensive coverage can include fire, theft, vandalism, falling objects, wind, smoke and flood or sinking through the ice on a frozen lake or river.

Collision Coverage

Collision is the most common cause of loss. A snowmobile can be traveling quite slowly and hit and object like a rock or stump, twist the frame and be totaled.

Don’t forget the possibility of an auto accident where the trailer and sleds are totaled. You must have collision on the snowmobile in order to have coverage. You truck’s auto policy excludes coverage on snowmobiles in the event of a collision.

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Other Optional Coverages

Medical Payments. This optional protection covers co-payments, deductibles and other expenses if you or someone else riding your covered snowmobile needs medical attention as a result of a snowmobiling incident. Limits are available from $1,000 each person to more than $10,000.

Accessory Coverage. This is coverage for items or extra equipment installed on the snowmobile for things such as special paint, wraps, engine performance equipment, studs, bags, GPS. You can purchase this coverage up to many thousands of dollars on a snowmobile quite inexpensively.

Snowmobile Trailer Coverage.  Provided you purchase both comprehensive and collision coverage on at least one of the snowmobiles on you policy, we can schedule comprehensive and collision coverage on your snowmobile trailer.  Trailers usually have a low $250 fixed deductible.

Uninsured / Underinsured Motorist Bodily Injury Protection.  In most states you can purchase this coverage up to your Bodily Injury Liability limits.  This valuable coverage covers yourself or someone riding your snowmobile for their bodily injury and financial loss resulting from some other snowmobiler who hits you and has no insurance or limits of liability less than your own policy.

Additional Advantages

Out-of-State Coverage. Your policy automatically adjusts to meet a state's minimum coverage requirements, even if your policy limits are normally lower.  Your snowmobile coverage extends to all 50 states and Canada!

Coverage in Canada. If you're planning to ride your snowmobile beyond our northern border... go right ahead. You coverage extends to Canada.

Lots of Discount Possibilities. We offer many ways for you to save money, and you're not limited in the number of discounts you can enjoy. Depending on which company we place you with, discounts include: insuring two or more snowmobiles on the same policy, renewing your policy with us, belonging to a snowmobile association, completing a snowmobile safety course and homeowners. Ask your agent for more information.

Payment Options. You can pay your snowmobile policy with a check or credit card.  Monthly payment plans are also usually available.

Fast and Reliable Claim Service. Report your snowmobile accident any time, day or night.  You will have a toll free phone number and all of our companies have 24/7 claims service!

Temporary Coverage for Additional Snowmobiles. If you purchase a new snowmobile, we automatically extend your current coverage to provide temporary protection to the new unit. (But the time frame is limited so don't forget to officially add the snowmobile to your policy!)

Coverage in 31 states and growing!

Sled Insure Coverage Map

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.

If I live in another state but mostly use my snowmobile in SledInsure’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

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.

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.

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

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

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!

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.

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.

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

No, snowmobiles are not covered on homeowners' policies.

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.

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.

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.

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.

Don't wait, get a free quote today!

Get a quote by phone.

Have questions or prefer a quote over the phone? Feel free to call our friendly insurance professionals  at 1-518-725-7000.

Get a quote online.

Applying for a secure quote online with Sled Insure is easy! Simply click on the "Apply Online for a Free Quote" button below to get started!