Month: April 2025

Power toys insurance is specifically designed to provide a minimum level of liability protection for motorized items, such as snowmobiles, jet skis, and other personal watercraft, as well as ATVs like four-wheelers. It can help cover medical bills and personal property damage in the event of an accident, among other things.

Legal Requirements

Iowa takes snowmobile operations seriously. Riders aged 12-17 are required by law to take and pass an education course, and must have a certificate when riding on trails or public land, including ice.

The state also mandates minimum liability insurance for snowmobiles driven on public roads and highways. Previously, snowmobiles were one of the few exceptions to the law. However, this was revoked in 2012, making liability insurance mandatory for all motorized vehicles driven on public roads and highways.

Types Of Coverage

Many insurance agencies throughout Lansing, IA offer different levels of coverage for snowmobiles. Owners can opt for liability insurance, which is often the most affordable option. This covers the other person’s bodily injury and property damage costs. Collision coverage will also help cover your damages, and comprehensive coverage covers damage that isn’t related to an accident. An agent at Kerndt Brothers Insurance Agency can help you determine which level of coverage you need.

Assurance and Security

Power toys insurance is designed for all your motorized toys. It can cover four-wheelers, snowmobiles, etc. Homeowners’ insurance typically doesn’t cover these vehicles when damaged, making coverage necessary to provide you with assurance and security.

Agents at Kerndt Brothers Insurance Agency have years of experience regarding power toys insurance and the Lansing, IA law. We’ll ensure you have the coverage you need to meet minimum requirements. Contact us before you hit the trails.