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.
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What We Insure: From Classic Cars to Off-Road Adventures

Car

RV

Classic Car

ATV

Four Wheeler

Snow Mobile

Cargo Van

Delivery Vehicle

Boat

Car

RV

Classic Car

ATV

Four Wheeler

Snow Mobile

Cargo Van

Delivery Vehicle

Boat

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.

🔰

Liability Coverage

Covers injury & property damage you cause to others while operating your snowmobile.

💥

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.

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Auto Insurance Coverages

Liability coverage icon

Liability Insurance

The Legal Foundation of Every Policy

Collision coverage icon

Collision Coverage

Protecting Your Own Vehicle

Comprehensive coverage icon

Comprehensive Insurance

The Unexpected Safety Net

Uninsured & Underinsured Motorist icon

Uninsured & Underinsured Motorist (UM/UIM)

Shielding You from Risky Drivers

Medical Payments / PIP icon

Medical Payments (MedPay) / PIP

Healing Without the Hassle

Roadside assistance icon

Roadside Assistance

Peace of Mind on Every Journey

Rental reimbursement icon

Rental Reimbursement

Stay Mobile After a Claim

Gap insurance icon

Gap Insurance

Covering the "In‑Between" on New Cars

OEM parts icon

OEM Parts Coverage

Original Parts for Better Repairs

Custom equipment icon

Custom Equipment Coverage

Protecting Add‑Ons and Upgrades

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.

Liability Insurance: The Legal Foundation of Every Policy

Collision Coverage:
Protecting Your Own Vehicle

Comprehensive Insurance: The Unexpected Safety Net

Roadside Assistance: Peace of Mind on Every Journey

Uninsured & Underinsured Motorist Coverage (UM/UIM): Shielding You from Risky Drivers

Uninsured & Underinsured Motorist Coverage (UM/UIM): Shielding You from Risky Drivers

Medical Payments (MedPay) or Personal Injury Protection (PIP): Healing Without the Hassle

Medical Payments (MedPay) or Personal Injury Protection (PIP): Healing Without the Hassle

Gap Insurance: Covering the "In-Between" on New Cars

OEM Parts Coverage: Original Parts for Better Repairs

Custom Equipment Coverage: Protecting Add-Ons and Upgrades

Bundle and save!!

We reward loyalty with bundle discounts that make managing your insurance easier and more affordable

Snowmobile + Auto Insurance

Cover your snowmobile and your car together for year-round protection and premium savings.

Snowmobile + Home Insurance

Bundle your sled with your home coverage to protect both your property and your winter fun.

Snowmobile + Umbrella Coverage

Extend your liability protection with an umbrella policy that adds extra peace of mind to your snowmobile insurance.

Snowmobile + More Bundles

Ask about snowmobile bundles with renters, motorcycle, or even health insurance for full coverage options.

Ready to Start Driving Smarter?

Let OnePoint Insurance help you compare coverages, maximize your discounts, and protect your drive

Save Even More with Exclusive Discounts

Your ATV insurance shouldn’t break the bank. Here’s how you can lower your premium.

A safe driver under auto insurance

Safe Driver Discount

If you’ve had no accidents or violations in the past 3–5 years, you may qualify for a lower rate.

Alovely american family all in insurance

Anti-theft Discount

Install alarms, GPS trackers, or locks and get rewarded with cheaper insurance

A lady student having the good student disount

Multi-Snowmobile Discount

insures two or more sleds under the same policy for reduced rates

How it Works

Getting Covered is Simple

Three quick steps. Zero stress.

  1. Request a Quote

    Fill out a quick form

  2. Customize Your Plan

    Choose coverage that fits your needs

  3. Get Covered

    Instant protection, ride worry‑free

Ready to Ride with confidence?

Get a personalized snowmobile insurance quote today, fast, free, and tailored to you

Why Choose OnePoint Insurance?

Why riders trust OnePoint Insurance Agency

  • Affordable Policies – Flexible plans that fit your budget.

  • Expert Agents – Local specialists who know snowmobile risks.

  • Fast Claims – Quick, hassle-free support when you need it most.

Ride with confidence, insured by one point


Customize Your Coverage

Whether you're seeking basic protection or full peace of mind, we offer flexible auto insurance options built around your life

Exclusive Insurance Discounts

Safe Driver Discount

Safe Driver Discount

If you’ve had no accidents or violations in the past 3–5 years, you may qualify for a lower rate.

Learn More
Multi-Policy Discount

Multi-Policy Discount

Bundle your auto insurance with your home, renters, or life policy and save more.

Learn More
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Auto Insurance + Home Insurance

Save more when you insure both your home and vehicle through OnePoint.

Read More →

Auto + Condo Insurance

Live in a condo? Combine your condo and auto policies for extra savings.

Read More →

Auto + Renters Insurance

Protect your apartment and your car under one policy and cut your rate.

Read More →

More Bundles = More Savings

Ask about additional bundling options, including boat, personal items, and umbrella insurance.

Read More →

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Frequently Asked Question

Do I need snowmobile Insurance if I only ride on private property?

In most states, insurance isn’t legally required on private land, but it still protects you financially from accidents, theft, or damage

Does my Homeowners Can I bundle my snowmobile insurance with my auto or home policy?

Yes! Bundling is one of the easiest ways to save money and simplify your insurance.

Does my policy cover passengers riding with me?

If you carry Medical Payments or PIP coverage, passengers are protected too.

Are my snowmobile’s custom parts and gear covered?

Standard policies may limit accessory coverage, but you can add endorsements for upgrades, helmets, jackets, and more.

Is my snowmobile covered if I ride in another state or Canada?

Many policies extend coverage across borders, but it’s best to check with your agent before traveling.

We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.

CONTACT INFORMATION

555 NorthPoint Center E, Alpharetta, GA 30022

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Servicing Families and Business in:

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Copyright 2025. OnePoint Insurance Agency. All Rights Reserved.