Snowmobiling is exhilarating. There you are, sailing over the powdered snow, breathing in the crisp, fresh air. It’s a great experience — until you hit a snow-covered stone or a hidden log. There’s always the chance for an accident on a snowmobile, so be safe and get proper insurance. First, call a Linares Insurance agent for the snowmobile coverage you need. Then, use your snowmobile safely, in accordance with local laws and regulations. Ride with respect for the environment and trails. Don’t even think about riding your snowmobile if you’ve been drinking. Make sure you are dressed appropriately; check your gas and your vehicle to make sure everything is in good order. Then go out there and have some fun!

A lot of people think their homeowners or auto insurance will cover their snowmobile. That is not necessarily true. Check with your Linares insurance agent to see how much, if any, coverage you can get through your auto or homeowners insurance policy. Chances are it’s very limited. You have boat insurance for your boat and motorcycle insurance for your motorcycle. Doesn’t it make sense to get snowmobile insurance for your snowmobile? For a remarkably low monthly rate, you can get snowmobile insurance that will cover you for a broad range of liabilities. Why ruin your winter sports experience? Snowmobile insurance covers:

Bodily Injury Liability This protects you if you cause an accident and someone is hurt. Nobody wants to think they are going to cause injury to another person, but it happens. So be prepared. Bodily injury coverage pays for the injured person’s medical expenses so you don’t.

Property Damage Liability If your snowmobile damages someone else’s property and it’s determined to be your fault, the property damage liability insurance protects you by paying for the damage. This covers damage to vehicles, homes or buildings.

Collision Coverage Should your snowmobile collide with another object — be it another snowmobile or a pile of logs — collision coverage will pay your costs to fix your snowmobile.

Comprehensive Coverage This protects your snowmobile for damages caused by anything other than another vehicle. So if your snowmobile is damaged because of wind, a falling limb, mischief or robbery, you’re covered.

If you own several snowmobiles, Linares Insurance can create a discount plan for you. Whatever your circumstances, Linares has a policy that’s right for you. Talk to one of our agents and then enjoy the snow!