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Madison Mutual offers coverage on a stand alone basis for damage to your snowmobile. This coverage has a minimum and fully earned premium and provides year round coverage. Your homeowner policy does not provide coverage for this item making it an important coverage to maintain.
Snowmobile Application Guidelines
Applicants must be:
- at least 18 years of age.
- a New York State resident.
Liability coverage is not available.
Claim settlement is on an actual cash value (ACV) basis.
The policy premium is also the minimum and fully earned premium. When a policy is cancelled or coverage reduced/removed by the insured for any reason, there will be no return premium
A certificate of completion of a NYS certified snowmobile safety course is required for every operator under 18 years of age.
The policy period is one year with automatic renewal.
Trailers must be of original commercial manufacture to be eligible for coverage. (No homemade trailers.)
A $500 deductible applies. Lower deductible options are not offered.
Snowmobiles must be:
- two-stroke engine size less than 700 cc's.
- four-stroke engine-only certain models.
- registered in applicants name.
- model year is less than five (5) years old.
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