Colorado · A sled is not a listed car
Storing a snowmobile does not put it on your auto policy or your homeowners policy. Theft, a collision, and liability for the sled are whatever a specialty policy actually schedules.
Personal auto covers the vehicles on the declarations. A snowmobile is not implied the way a borrowed sedan sometimes is. Homeowners personal property often excludes or tightly limits motorized vehicles that are not used only to service the residence. Do not assume the HO-3 pays to replace the sled, or that its liability sits on a trail accident. Off-premises contents on many HO-3 forms are capped, often around 10% of Coverage C, and that cap is for belongings the form still covers. It is not a snowmobile hull limit. Forms differ.
The same idea on other machines: travel trailers, motorcycles, and boats. What “other than collision” means on a car: comprehensive in Colorado. The house policy that does not replace the sled: Colorado homeowners. Off-season coverage, written for an RV: why storage does not cancel the policy. Auto options that still will not list the sled: Colorado auto options.
