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Snowmobile Insurance

Winter is here again! And with it comes loads and loads of snow. You're probably getting set to hit the trails on your snowmobile and have lots of fun. But in winter, caution is the word. It goes without saying, you need to be prepared. If you own a snowmobile or are preparing to buy one, getting snowmobile insurance is one of the ways to get ready for the chilly season.

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Image by Troy Spoelma

Snowmobile Insurance Explained

You might be wondering, "what is snowmobile insurance, and do I need it?" 

As with auto insurance, snowmobile insurance protects you against any liability you might incur while using your snowmobile. 

If you think using a snowmobile could pose no risk, you might want to have a rethink. According to research, snowmobiles are increasingly becoming popular, and with it comes accidents, thefts, and other incidents. You want to be prepared.

When any of these incidents occur, you don't want to buy a new snowmobile, pay repair costs, or pay hospital bills out of your own pocket for yourself and other persons involved. Snowmobile insurance can take care of it.

What Snowmobile Insurance Covers

Like any insurance product, snowmobile insurance comes with several package options, but basic snowmobile insurance may have the following: 

Collision Coverage - Pays for the cost of repairing your snowmobile when it hits another snowmobile or runs into a tree. 

Comprehensive Coverage - For other damages not caused by a collision, such as fire or flood, comprehensive coverage comes to the rescue. It also covers in case your snowmobile is stolen. 

Bodily Injury Liability Coverage - Let's say you hit and injure someone with your snowmobile, and you’re found culpable by the law. This option helps you to pay the medical bills of the injured person.

Property Damage Liability Coverage - If you damage another rider's snowmobile or damage someone's fence, this snowmobile insurance option kicks in to pay for the cost of repair.

Cost of Snowmobile Insurance

The cost of snowmobile insurance depends on various factors and varies from one person to the other. How much you'll pay is determined by where you live, your snowmobile's make, model, and year, your deductible, whether your snowmobile is for pleasure or work, etc. 

While you can't be certain of the cost until these factors are considered, one thing you can be sure of is that we'll find you the cheapest snowmobile insurance that covers all your needs.

Getting the Right Snowmobile Insurance

Insurance can be very complex, and finding the right snowmobile insurance for your needs, even more so. But you don't have to worry. T4 Insurance Solutions is an independent insurance agency helping people lift their insurance worries off their shoulders. 

We've been doing this since 2004 and know how to protect you and your snowmobile. 

When you can walk into our office, we'll listen to your concerns and break down all the different options and their benefits so you can make the right decision for maximum protection. Walk-in and same-day appointments are available, and services are completed within 24 hours.

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Image by Yves Scheuber

We've Got You Covered

Winter is here and we’ve got you covered! Get on your snowmobile, hit the trails, and have as much fun as you want! Schedule a consultation today and let's talk about how best to protect you and your snowmobile.

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Protect Your Investment Today

Without a doubt, it is highly beneficial to protect yourself with commercial property insurance. If you have questions on how to go about getting commercial property insurance that suits your need, get in touch with us by scheduling a consultation.



Tracy and her team are SUPER knowledgeable and on top of any questions or concerns. I will never change agencies, I highly recommend them!

- Allison


Our mission at T4 Insurance is to help insure and protect individuals, families, and businesses from financial hardship. We offer value- added solutions to assist in saving money, mitigating risk, preventing loss, and protecting lives. T4 Insurance will provide peace of mind to help reduce financial worries and protect livelihoods. Contact us today for more information.

Auto Insurance


Commercial Insurance


Motorcycle Insurance


Boat Insurance


Farm & Ranch Insurance


Snowmobile Insurance


Life Insurance


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N168 W20580

Main Street Jackson, 

Wisconsin 53037

Phone: 262-423-4949

Fax: 262-423-4959    

Hours of Operation:

Mon-Fri: 8:00am-4:30pm


Or by appointment

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