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And while you're prepared with your parka and a helmet, snowmobile insurance is another way you can help protect yourself. Before you hit the trail, let's talk about your current home, auto and snowmobile (if you have one) policies to see if your coverage extends to a rental or if you'll need to get insurance through the rental company. Start here for the basics on protecting a rented snowmobile. I've been a customer for 13 years for 4 cars and homeowners insurance. During this time, they've been very helpful in making sure I had excellent and low cost coverage. Erie Insurance is also a fine organization.