Snowmobile Insurance That Covers More Than Just the Ride 

Smart, Personalized Coverage From Your Local Experts in Germantown, MD

In Central Minnesota, snowmobiles aren’t just recreation—they’re a way of life. Whether you’re hitting the trails for fun or using your sled for winter chores, Cornerstone Insurance Agency helps make sure your coverage is ready when you need it.


We’re based in St. Stephen, MN, and as a local, independent agency, we offer snowmobile insurance that fits how you ride—with clear guidance and responsive support.

What Your Snowmobile Insurance Policy Should Cover 

Snowmobiles come with unique risks—from trail collisions to garage fires. A strong policy protects your sled, your finances, and your freedom to ride.

Man in plaid shirt smiles at child from car window.

Liability Coverage

Covers injuries or damage you may cause while operating your snowmobile.

Collision Coverage

Pays to repair or replace your snowmobile after an accident—regardless of who’s at fault.

Comprehensive Coverage

Covers theft, vandalism, fire, falling objects, and animal-related damage.

Uninsured/Underinsured Motorist

Protects you if you're hit by another rider who lacks adequate coverage.

Medical Payments

Helps cover medical bills for you or your passenger after an accident.

Coverage Add‑Ons That Matter

Optional protection can help keep you moving through all of Minnesota’s snow seasons.

Trailer Coverage

Covers the trailer you use to haul your sled.

Accessory & Gear Coverage

Protects snowmobile gear, helmets, GPS units, and other extras.

Year-Round Coverage

Covers your snowmobile against theft and storage risks—even in the off-season.

Why Snowmobile Insurance Matters in Central Minnesota

A Crash, Breakdown, or Theft Can Leave You Paying Out of Pocket

Snowmobiling is part of life in Central Minnesota—but so are frozen ditches, unseen obstacles, and other riders who don’t always play it safe. A quick weekend trip can turn costly fast if you’re not properly insured.


Snowmobile insurance isn’t just for peace of mind—it’s protection against accidents, injuries, theft, and liability that could follow you off the trail. With Cornerstone Insurance, you’ll get:


  • Liability protection for property damage and injuries to others
  • Coverage for theft, fire, and collision—even in storage
  • Add-ons for trailers, custom parts, and more
  • Local insight into trail and seasonal risks
  • A responsive agent who picks up the phone when you need help


Whether you ride the ditches or the backcountry, we make sure your coverage keeps up with your adventures.

Snowmobile Insurance FAQs

  • Is snowmobile insurance required in Minnesota?

    Liability coverage is required when operating on public trails. We’ll make sure you meet all legal and safety standards.

  • Does homeowners insurance cover my snowmobile?

    Usually not. You’ll need a separate snowmobile policy to get full protection.

  • Is gear like helmets and clothing covered?

    Optional accessory coverage can help replace damaged or stolen gear.

  • Can I get coverage for multiple sleds?

    Yes. We can insure multiple snowmobiles under the same policy and often apply multi-sled discounts.

  • Can I pause coverage in summer?

    We recommend year-round coverage to protect against theft, fire, and storage-related losses—even in the off-season.

Black telephone receiver with sound waves.

Let’s Get You on the Road

Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.

Black telephone receiver with sound waves.

Let’s Keep You Protected Wherever the Trail Takes You

From the garage to the trailhead, your snowmobile deserves protection that’s built for winter in Central Minnesota. At Cornerstone Insurance Agency in St. Stephen, MN, we’ll help you ride confidently, with local support that’s always in season.