Get A Quote For Delaware Golf Cart Insurance
Protect your Delaware golf cart with customized coverage tailored to your needs, whether you're cruising from green to green or navigating your gated community.
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Delaware golf cart insurance coverages we offer
Bodily injury and property damage liability
Although not required in every state, golf cart liability insurance in Delaware can protect you if you're liable because you injured someone or damaged their property while riding your golf cart. Your court costs and legal fees can also be covered up to your policy's limits.
Guest passenger liability
If passengers are injured while riding in your golf cart, guest passenger liability can pay for their injuries up to the limits of your policy.
Uninsured motorist bodily injury and property damage
Delaware uninsured motorist coverage covers you and any passengers while riding in your golf cart if you're injured by another driver with no insurance or not enough insurance. You're also covered if an uninsured or underinsured driver damages your golf cart.
Comprehensive and collision
If your Delaware golf cart is vandalized or stolen, comprehensive coverage pays to repair or replace it. Additionally, comprehensive covers damage from a fire, hitting an animal, an act of nature, or glass breakage. If you're in an accident with another golf cart, object, or even a vehicle on the street, collision coverage can pay for your golf cart's repairs or replacement.
If you're financing your golf cart, your lender may require you to carry comprehensive and collision.
Medical payments
Medical payments coverage pays for your hospital bills if you or your passengers are injured in a golf cart accident. While medical payments are optional, coverage is vital if you or your passengers don't have health insurance.
Accessory coverage
You may have added a radio, headlights, seat covers, or even a custom paint job to your golf cart, and you'll want to make sure your upgrades are covered. If you carry both comprehensive and collision coverage on your golf cart policy, you'll automatically earn $3,000 in accessory coverage. You can purchase additional coverage, if necessary, up to $30,000.
Common questions about Delaware insurance for golf carts
Is golf cart insurance required in Delaware?
Insurance requirements for golf carts will vary by state, but it's worth having a golf cart insurance policy even in states that don't mandate one—especially if you plan to drive your golf cart around your neighborhood. Your homeowners insurance may not cover you away from your property, but golf cart insurance does.
Do you need golf cart insurance in Delaware?
Just like golf cart driving requirements, insurance requirements for golf carts vary from state to state, but liability coverage is often required. If you own your golf cart, there's a good chance that you use it for more than getting around the golf course. Many golf cart owners treat their cart as a secondary mode of transportation for getting around their neighborhood, taking light shopping trips, or getting to and from the golf course.
If you drive your golf cart on the road in some states or towns, liability coverage, even if it's not mandated, is critical if you're responsible for injuries or damages in a golf cart accident.
Are golf carts covered under homeowners insurance?
A golf cart may be covered under your homeowners insurance policy while it's on your property. However, once you leave your property, homeowners insurance may not cover your golf cart against damage. Most homeowners insurance policies won't cover a golf cart that's registered to be driven on roads.