Do You Need Recreational Insurance for Your Snowmobile in Michigan?

Posted on December 26, 2025December 15, 2025 by admin

Snowmobiling is a popular winter activity in Michigan, with miles of scenic trails to explore. While hitting the trails is exciting, it’s important to consider the risks involved. Recreational insurance for snowmobiles can help protect you from unexpected accidents and expenses.

What Does Snowmobile Insurance Cover?

Snowmobile insurance provides coverage for a variety of situations. If your snowmobile is damaged in an accident, your policy can help pay for repairs. Liability coverage protects you if you cause injury to someone else or damage their property while riding. Some policies also include coverage for theft, vandalism, or damage caused by weather events.

Is Snowmobile Insurance Required in Michigan?

Michigan does not require snowmobile insurance for operation on private property. However, if you plan to ride on public trails or roads, liability insurance may be required. Even if it’s not mandatory, having coverage is a smart choice to protect yourself financially in case of an accident.

Tips for Safe Snowmobiling

In addition to insurance, practicing safe riding habits can reduce risks. Here are a few tips:

Wear proper gear: Always wear a helmet and cold-weather clothing to stay safe and warm.
Follow trail rules: Stay on marked trails and obey speed limits.
Maintain your snowmobile: Regularly inspect your snowmobile to ensure it’s in good condition.

Get the Right Coverage

Snowmobiling in Michigan is a great way to enjoy the winter season, but it’s important to be prepared. Shield Insurance Agency helps Michigan residents find recreational insurance that fits their needs. Visit Shield Insurance Agency today to learn more about protecting your snowmobile and enjoying the trails worry-free.

What is the value of having recreational insurance in Michigan?

Posted on June 15, 2023June 21, 2023 by admin

Shield Blog | Recreational Insurance | Start A Quote Today!

Living in the state of Michigan can come with a lot of amenities. One of the benefits that come with living here is that you can enjoy many local parks and other attractions. If you are going to move here, investing in a recreational vehicle can be a great option as it can be very fun to use. When you are looking for a recreational vehicle, getting recreational insurance for it is quite important.

This type of coverage can come with many forms of coverage which makes it quite valuable:

Cover the Vehicle

A reason to get a recreational insurance plan is so you can cover the vehicle. When you are going to get a recreational vehicle, you will find that it can cost a lot of money to purchase and maintain. Because of this investment, you will want to protect your asset and ensure it is always covered. With a recreational insurance plan, you will get support to replace or repair your asset.

Reduce Liability Risks

It can also be a good idea to get recreational insurance so you can reduce your liability risks. There is always a chance you can be found liable for an accident when using a recreational vehicle. If you have a full recreational insurance plan, you will get support to cover any damages that you have incurred.

Reach Out To Us

Having recreational insurance continues to be a necessity for those that are in Michigan. When you are looking for one of these plans here, it would be a great idea to call our team with the Shield Insurance Agency. If you do call us with the Shield Insurance Agency, you can receive top support to ensure you are able to make an informed decision and properly protect your recreational asset.

How Do I Get Recreational Insurance?

Posted on June 21, 2022February 16, 2023 by admin

Recreational Insurance| Shield Quoting Portal | Recreational Insurance |

If you want to buy insurance for recreational activities like fishing or golf, you will likely have to buy it separately from your homeowner’s or car’s insurance. If you are self-employed or work for a small company, you may be able to get coverage through your small business owners or association insurance plan.

Some employers may also offer group health insurance that covers some or all of the cost of recreational insurance. To learn more, consult with Shield Insurance Agency in Michigan.

Recreational Insurance: What You Need To Know

Recreational insurance is specifically designed to help protect your investment in a vacation. You can get this type of coverage through an association, an organization, or a company.

Associations provide lower rates because they tend to have higher-risk members.

You can purchase a policy that specifically covers recreational activities, or purchase a general homeowners or renters policy.

You can compare the cost of recreational activities to the cost of replacing the item. If the activity costs less than the item, you may be able to file a claim with your homeowners or renters insurance.

When you go to buy your recreational insurance, you will likely be required to have some money in a certain type of account.

Recreational insurance protects you from any potential damages or harm that you might face while participating in a recreational activity.

Let’s say you are going camping with your friends and you go hiking in the mountains, and while hiking, one of your friends slips and falls down a cliff.

What if he ends up breaking his arm? You will be responsible for them if you don’t have any sort of recreational insurance.

Contact Us Today

It’s important to obtain some sort of recreational insurance before engaging in any recreational activities. It could be as simple as getting an umbrella policy that covers all the things while engaging in a recreational activity.

You can also get specific policies for different activities such as skiing or snowboarding, mountain climbing, etc. For expert advice, give us a call at Shield Insurance Agency in Michigan.

Fire Prevention 52: RV Fire Safety 101

Posted on September 20, 2021February 15, 2025 by Shield Insurance Agency

By Kathy Komatz, National Structural Fire Training Specialist | NPS.gov

20,000 RV Fires Occur Annually

RV fire safety is of premium importance to the conscientious RVer. Unfortunately, fire is one of the leading causes of RV loss in the U.S. today. The National Fire Protection Association (NFPA) estimates that 20,000 RV fires occur annually. Don’t let yours be one of them!

RV fires can start when your RV is moving or when it is parked. The following tips can help you recognize the most common fire hazards.