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Deep Coverage for Deep Powder

Snowmobilers have different insurance needs, so we offer three levels of solid protection to fit your lifestyle and concerns.

Liability Only. Liability coverage covers only injuries that you may cause to others, or property damage, as a result of a snowmobile accident.

Comprehensive/Liability. Beyond liability, comprehensive coverage protects your snowmobile from damage resulting from fire, theft and most other causes, except collision.  

Collision/Comprehensive/Liability. In addition to liability and comprehensive coverage, this program includes collision coverage for accidental damage to your snowmobile.

Our program gives you the freedom to ride anywhere in the U.S. or Canada.

American Modern writes snowmobile polices in Maine, Michigan, New York, Pennsylvania, Vermont and Wisconsin.

A look at our program highlights reveals how our program works for the snowmobiler in you.  


The Essentials

Essential Liability. All our policies include liability protection for damaged property or personal injury. We also include passenger liability at no additional cost, and you can customize your limits to fit your circumstances.

Medical Payments. This option covers co-payments, deductibles and other expenses if you need medical attention.

Physical Damage. This option covers damage to or theft of your snowmobile at Market Value.  

Accessories. Accessories, like a trailer, cover, or safety apparel gain coverage with this option.

Newly Acquired Snowmobiles. If you purchase a new snowmobile, we automatically extend your current coverage to provide 30 days protection to the new unit. Just remember to add it to your policy.  


The Extras

American Modern offers some nice "extras" you may not find with other carriers.

Out-of-State. Our policy automatically adjusts to meet a state’s minimum coverage requirements, even if your policy limits are normally lower.

Canada. If you ride beyond our northern border, your coverage extends into Canada.


The Discounts

You're not limited in the number of discounts you can enjoy:

  • Insure two or more snowmobiles on the same policy
  • Renew your policy with American Modern
  • Belong to a snowmobile association
  • Complete a safety course

To make your life a bit easier, we also offer:

Multiple Deductible Options. Talk to your agent to determine the best deductible choice for your circumstances.

Convenient Payment Options. We are happy to take your check or major credit card. For some products our electronic funds transfer (EFT) service deducts your payments from your checking account.

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