Liability Coverage
Covers injury & property damage you cause to others while operating your snowmobile.
Protect Your Ride, Your Adventure, and Your Peace of Mind.
Comprehensive Snowmobile Insurance designed to keep you safe on and off the trail.
We serve families & businesses in
GA
AL
AZ
FL
IL
LA
MD
MI
MS
MO
NJ
NY
NC
OH
SC
TN
TX
VA
Protecting your life and future
Protect What Drives You, From the Car to the People Inside.
Whether exploring, One Point Insurance has you covered.
What We Insure: From Classic Cars to Off-Road Adventures
Why you need snowmobile Insurance
Snowmobiles are built for fun, but accidents, theft, and unexpected breakdowns can turn fun into stress. Insurance keeps you protected.
Accident Liability
Collision & Comprehensive Coverage
Medical Payments
Roadside & Trailside Assistance
Coverage Options
What does Snowmobile Insurance cover?
Essential protections and specialized add-ons for sled riders.
Collision Coverage
Pays to repair or replace your snowmobile after a covered crash with another vehicle or object.
Comprehensive Coverage
Protects against theft, fire, storms, and other non-collision events.
Uninsured / Underinsured Motorist
Covers you if an at-fault rider lacks proper insurance.
Medical Payments (MedPay)
Helps pay medical expenses for you and passengers, regardless of fault.
Personal Injury Protection (PIP)
Provides broader medical, rehab, and lost income benefits depending on your state.
Roadside / Trailside Assistance
Helps with towing or recovery if your sled breaks down or gets stuck.
Accessory Coverage
Extends coverage to racks, windshields, lights, wraps, and other custom parts.
Total Loss / Replacement Cost
Pays for a brand-new snowmobile if yours is totaled in a covered loss.
Trip Interruption Coverage
Helps with food, lodging, and transport if a breakdown derails your trip.
Transport Trailer Coverage
Protects the trailer you use to haul your sleds against covered losses.
Rental Reimbursement
Helps cover a rental snowmobile or vehicle if yours is out of service.
Gear & Apparel Coverage
Protects helmets, suits, and riding gear from damage or theft.
Umbrella Liability
Gives you extra protection above your policy limits.
Seasonal / Lay-Up Adjustment
Lets you adjust coverage when your sled is stored off-season.
Diminishing Deductible
Lowers your deductible for each claim-free year.
Competition / Racing Coverage
Optional coverage if you race your snowmobile in sanctioned events.
Off-Premises Coverage
Protects your sled even when stored away from home.
Agreed Value Coverage
You and your insurer lock in a set value for your sled in case of total loss.
Auto Insurance Coverages
Liability Insurance
The Legal Foundation of Every Policy
- Covers injuries and property damage you cause to others in an accident where you’re at fault.
- Pays for medical expenses, vehicle repairs, and legal fees if you’re sued.
- Does not cover your own injuries or your car’s damages.
- Required by law in most states to drive legally.
- We recommend limits high enough to protect your assets and future earnings.
Collision Coverage
Protecting Your Own Vehicle
- Pays for damage to your car if you hit another vehicle or object, regardless of fault.
- Covers accidents with cars, poles, fences, guardrails, and more.
- Helps get your car repaired or replaced quickly.
- Often required if you finance or lease your vehicle.
- Comes with a deductible you choose — higher deductibles mean lower premiums.
Comprehensive Insurance
The Unexpected Safety Net
- Protects your vehicle from non-collision events like theft, fire, vandalism, or weather damage.
- Covers incidents like hailstorms, floods, falling trees, or hitting an animal.
- Helps pay for repairs or replacement if your car is totaled.
- Required by lenders for financed or leased cars.
- Pairs well with collision coverage for full vehicle protection.
Uninsured & Underinsured Motorist (UM/UIM)
Shielding You from Risky Drivers
- Covers your expenses if you’re hit by a driver with no insurance or not enough insurance.
- Pays for medical bills, lost wages, and sometimes vehicle damage.
- Protects you in hit-and-run accidents.
- Essential in states with high rates of uninsured drivers.
- Helps avoid financial hardship from someone else’s irresponsibility.
Medical Payments (MedPay) / PIP
Healing Without the Hassle
- Covers medical expenses for you and your passengers, regardless of fault.
- PIP may also cover lost wages, rehabilitation, and essential services.
- Helps avoid out-of-pocket costs after an accident.
- Available in most states; PIP is required in “no-fault” states.
- Provides peace of mind knowing treatment costs are handled quickly.
Roadside Assistance
Peace of Mind on Every Journey
- Provides help if your vehicle breaks down or you’re stranded.
- Includes towing, battery jump-starts, fuel delivery, tire changes, and lockout service.
- Covers emergencies 24/7, anywhere in the covered area.
- Costs far less than paying out-of-pocket for each service.
- Great for long drives, road trips, and daily commuters.
Rental Reimbursement
Stay Mobile After a Claim
- Covers the cost of a rental car while yours is being repaired after a covered accident.
- Helps you stay mobile for work, school, or errands.
- Usually pays a set daily limit for rental costs.
- Available for both at-fault and not-at-fault claims (when covered).
- Ensures you’re not left without transportation.
Gap Insurance
Covering the "In‑Between" on New Cars
- Pays the difference between your car’s value and what you owe on your loan or lease.
- Vital if your vehicle is totaled and you owe more than it’s worth.
- Prevents you from being stuck with a loan for a car you can’t drive.
- Often required for leased vehicles.
- Usually inexpensive but saves thousands in the right situation.
OEM Parts Coverage
Original Parts for Better Repairs
- Ensures your vehicle is repaired with Original Equipment Manufacturer parts.
- Maintains your car’s safety, performance, and resale value.
- Prevents the use of cheaper aftermarket parts.
- Especially important for newer or luxury vehicles.
- Helps keep your car as close to factory condition as possible.
Custom Equipment Coverage
Protecting Add‑Ons and Upgrades
- Protects aftermarket and custom parts added to your vehicle that aren’t covered by standard policies.
- Includes rims, sound systems, lift kits, custom paint, performance upgrades, and specialty lighting.
- Pays for repair or replacement if custom parts are stolen or damaged in a covered event.
- Ideal for car enthusiasts, off-road vehicles, or work trucks with specialized gear.
- Keeps your investment in upgrades protected without risking out-of-pocket loss.
How Much Does Snowmobile Insurance Cost?
Four key things that shape your snowmobile insurance premiums.
Age & Driving Record
Younger riders or those with past accidents may see higher rates, insurers price risk based on experience and history.
Type of Snowmobile
High-performance or newer sleds generally cost more to insure than older or standard recreational models.
Usage
Recreational riders usually pay less than competitive or frequent users, more time on the trails means more exposure.
Location & Storage
Where you live and how you store your snowmobile matters — secure garages and low-claim regions can lower costs.