Summary: Under current personal auto rules and forms, privately owned snowmobiles may be insured for liability, medical payments, uninsured motorists, and physical damage coverages by endorsement to the personal auto policy. From the standpoint of coverage, this method of insuring snowmobiles is in many ways preferable to insuring snowmobiles by a homeowners policy endorsement. Among the advantages of the personal auto endorsement are that it 1) provides uninsured motorists and physical damage coverages (not available under homeowners endorsement HO 24 64 03 22) if desired; 2) does not exclude a snowmobile which is subject to motor vehicle registration; and 3) includes the named insured or any family member under medical payments coverage, unlike the homeowners endorsement, which only provides liability coverage. For more information on the homeowners endorsement, see Standard Homeowners Endorsements.
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