Heh, don't worry about the insurance. There are a lot of insurance carriers that will cover sleds. I would check with the "big" companies like Farmers / Prudential / Federated / Progressive etc. I am sure one of them will cover your sleds.
You have a Polaris family. =) I use to have a 98 Xlt, and still have my 96 Trail. I really like my Polaris sleds. I got rid of the XLT because of how heavy it was, but the trail is a run sled to beat on. It can take quite a pounding. Over 5,000 miles on it and only 1 $70 chain has been replaced.
