Colorado winters bring more than just skiing and snowball fights. Snowmobiles, ATVs, and winter sports gear are a huge part of local recreation. But too many people assume their homeowners or auto policy automatically covers these activities.

It usually doesn’t.

Here’s how to make sure your winter fun doesn’t lead to spring regret.

1. Snowmobile Insurance: It’s Not Optional

In Colorado, you’re not legally required to insure your snowmobile, but if you finance it, your lender will demand full coverage. Even if you own it outright, going uninsured is risky.

Basic snowmobile insurance includes:

• Liability: For damage or injury you cause to others
• Collision: For crashes, trees, fences, or flips
• Comprehensive: For theft, fire, or weather damage

Check for add-ons like:

• Trailer coverage
• Gear and accessories
• Towing (especially useful in backcountry rescues)

2. Homeowners Insurance Won’t Cut It

Your homeowners policy might cover a snowmobile while it’s in the garage, but not once it leaves your property. And it won’t cover liability if you hit someone or damage a cabin while riding trails.

Don’t assume your home policy protects your recreation. It usually doesn’t.

3. Liability Is the #1 Risk

Collisions between riders happen. Riders hit fences, cars, and people. Without liability coverage, you’re on the hook for legal costs, medical bills, and property damage.

We recommend at least $100,000 in liability, but $300,000 or more is better—especially if you own property or have assets to protect.

4. Bundle with Your Auto or Home Carrier

Many carriers offer snowmobile insurance as a bundle add-on. It’s often cheaper and easier to manage. Ask your agent if you qualify for multi-policy discounts.

5. What About ATVs or Side-by-Sides?

Similar rules apply. If you’re using an off-road vehicle for winter ranch work or recreation, insure it separately. Don’t assume your homeowners or farm policy covers you.

6. Personal Property Coverage for Winter Gear

Skis, snowboards, and high-end gear can add up fast. If they’re stolen from your car or lost in transit, they may be covered under your homeowners policy’s personal property section—but only after a deductible.

For high-value items, consider a scheduled personal property endorsement. It gives broader coverage and no deductible.

7. Umbrella Insurance Covers Winter Sports Too

If you’re sued after a snowmobile accident or someone is hurt on your property during a winter event, your umbrella policy can provide an extra layer of protection—typically in $1 million increments.

8. Final Tips Before You Hit the Snow

• Keep copies of your insurance in your snowmobile or ATV
• Take photos of gear and VINs
• Always wear helmets and follow trail laws

Colorado winters are built for adventure. Just make sure your insurance is ready to ride with you.