Motorcycle Insurance

Quality motorcycle insurance protects more than your bike and the things you’ve added to it. It protects your freedom to take to the road and do what you dream about all winter.

Motorcycle Insurance: What’s Really Required?

Two coverages required by law—Property Damage Liability and Bodily Injury Liability—are automatically part of any motorcycle policy you buy.

Property Damage Liability Coverage helps protect you from paying for the repair or replacement of another motorist’s vehicle or property, including vehicles, homes, or other structures.

Bodily Injury Liability Coverage helps protect you from paying medical costs, loss of income, and funeral expenses of other people involved in an accident. Two important notes:

  • In some states, bodily injury to a passenger is covered separately under
    Passenger Liability coverage.
  • In other states, you can pay an additional premium so that Bodily Injury Liability Coverage applies to passengers.

Got a boat? Get a quote.

Our boat insurance is packed with ways to protect what you care about – even when you’re 100 nautical miles out. Talk to an Allstate agent today!

Boat Insurance That Protects Your Boat and Family for About $23 a Month

Allstate boat insurance policies start as low as about $23 per month, and we offer several?boat insurance discount options. For starters, you can save up to 20% if you combine Allstate boat insurance with?auto insurance?and?homeowners insurance?policies. Dollar for dollar, nobody protects you like Allstate.

Boat Insurance That Protects You from “the Other Guy”

Half of all boating accidents result in injuries. And even if you’ve been boating for decades, what about the other guy? He might be a little unsteady on the water, and even worse: he may not have insurance. Our?features and options?cover you, your family, your gear, and your boat from the unpredictable.

Boat Insurance That Protects Your Boat from Bow to Stern

Forty percent of boaters are uninsured. That’s why Allstate offers?features and options?that protect your craft from bow to stern. We also protect your gear and accessories, including anchors, skis, fishing gear, and more. Our coverage extends up to 100 miles off the coast, and protects your friends and family, too.

Got a boat? Get a quote.

Our boat insurance is packed with ways to protect what you care about – even when you’re 100 nautical miles out. Talk to an Allstate agent today!

Snowmobile Insurance & Allstate

Nothing beats cutting through fresh snow on a trail with your sled until something unexpected happens. That’s why it’s great to take Allstate along with you.

Snowmobile Coverage That Does One Important Thing… Cover Snowmobiles.

Sounds simple, but shouldn’t your snowmobile be covered by snowmobile insurance? All too often, people rely on their homeowners and/or auto insurance policies to make a snowmobile claim. Unfortunately, those policies provide little, if any, supplemental coverage for your snowmobile. That’s where Allstate can help. For only $10 per month on average, Allstate Snowmobile Insurance protects you, your passenger, your snowmobile, and even someone else’s property. Here’s how:

  • Bodily Injury Liability:?Protects you if you cause an accident and someone is hurt, typically covering the other person’s medical expenses.
  • Property Damage Liability:?Protects you if you’re at fault in an accident causing damage to another person’s property. Coverage typically pays for expenses to damaged property such as vehicles, homes, and buildings.
  • Collision Coverage:?Reimburses the cost of repairing your snowmobile after damage due to a collision with another object (such as another snowmobile, tree, or fence).
  • Comprehensive Coverage:?Protects from damages to your snowmobile due to almost any event: flooding, wind, vandalism, theft, or other reason not involving a crash with another vehicle.

Allstate Snowmobile Insurance can even provide coverage while your sled is in storage or needs a tow. Even if you have custom parts, they’re included as part a covered claim. We’ve even got discounts available if you own multiple sleds. Figuring out where your other insurance ends and snowmobile insurance needs to start can be a lot. Talk to an?Allstate agent?near you for help designing a maximum protection policy to meet your needs.

Snowmobile Insurance is a No-Brainer—But Use Your Head on Your Sled

Check First. Then Go.
Before you hit the trails, check the condition of your sled, including throttle, ski assemblies, rods, belt, headlights/taillights, brakes as well your fuel and battery levels. Also check the weather and remember to pack an emergency kit (flares, extra key, first aid kit, flashlight, spare fuel, etc.).

Know the Rules
Check with natural resource and law enforcement agencies to understand local laws and age restrictions for snowmobile operation.

Protect the Trail
Remember to respect the trail systems and riding. Avoid disturbing local wildlife and only ride within the areas you’re permitted.

Pay Attention
The longer you ride, the slower your reaction time. Even though you may not feel tired, the combination of motion, wind, and vibration of the machine tends to dull your senses. Take breaks every few hours to stay safe.

Safety Trumps Style
Warm gloves, goggles, and a windproof outer layer can be just as vital to your safety as your helmet.

Tell Others Your Plan
Leave a “snow plan,” a description of your planned route (kind of like a flight plan for snowmobiles), with family or friends and notify them when you arrive. You’ll give them piece of mind and ensure they know where to look if something happens.

Never Add Alcohol
IT IS AGAINST THE LAW TO OPERATE A SNOWMOBILE WHILE UNDER THE INFLUENCE OF ALCOHOL. Increased fatigue and decreased reaction time are a formula for disaster. Never drink and ride.

Riding at Night
Snowmobiling after dark requires special attention. The golden rule: Don’t over drive your headlights. Always drive slow enough to see an object in time to avoid a collision.


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