(EDITOR’S NOTE: The
following information comes from Nationwide Insurance.)
As snowmobile owners prepare to take to the trails with friends and family this
winter, Nationwide reminds enthusiasts that proper insurance coverage is
crucial to enjoying the ride.
"According to the International Snowmobile
Manufacturers Association, the average snowmobiler spends $6,550 on a
snowmobile and $1,100 on accessories such as clothing and a trailer,"
Mitch Roggemann, national sales director for Nationwide's Property &
Casualty Specialty Products, said. "It is important to choose the right
coverage to protect this investment."
Nationwide offers the following tips for snowmobile owners
choosing insurance coverage:
Cover your snowmobile with a dedicated policy.
If your snowmobile is covered under a homeowner's policy, you may not be as
protected as you think. Many riders don't realize that snowmobile damage
usually is not covered under a homeowner's policy if the snowmobile is ridden
off the insured individual's property. Companies like Nationwide have
stand-alone policies for snowmobiles that keep you covered on and off your
Check for discounts. Taking a safety course will
teach you valuable skills about everything from trailering to handling rough
terrain. Plus, many companies, like Nationwide, offer policy discounts for
snowmobilers who have completed a safety course. Other discounts are available
to riders who belong to organizations such as a state snowmobile association.
Protect the extras. If you're adding a personal
touch to your snowmobile, check on insurance coverage first. Some policies
include custom equipment as part of the standard coverage—a big benefit if you
are investing in costly aftermarket parts.
Ask about roadside assistance or trip
interruption coverage. Many owners trailer their snowmobiles to their favorite
riding spot. Be sure your coverage includes reimbursement for lodging,
transportation and meals if you are stranded due to an accident or breakdown.
Check to see if one policy can cover all your
motorized transportation and toys. Nationwide policies cover up to 12 vehicles,
including motorcycles, Segways, golf carts, dune buggies and ATVs.
(Nationwide, based in Columbus, Ohio,
is one of the largest diversified insurance and financial services
organizations in the world, with more than $160 billion in assets. For more information
log on to www.nationwide.com.)