Golf cart insurance coverages we offer

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Bodily injury and property damage liability

While not mandatory in all states, having golf cart liability insurance can safeguard you in the event that you are held responsible for injuring someone or causing damage to their property while operating your golf cart. Additionally, your policy can cover court expenses and legal fees, up to the specified limits.

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Guest passenger liability

In the event that passengers sustain injuries while using your golf cart, guest passenger liability coverage can help cover their medical expenses, up to the maximum limits of your policy.

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Uninsured motorist bodily injury and property damage

Uninsured motorist coverage protects you and your passengers while using your golf cart in the event that you are injured by a driver who lacks insurance or has insufficient coverage. Additionally, this coverage extends to any damage caused to your golf cart by an uninsured or underinsured driver.

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Comprehensive and collision

In the unfortunate event that your golf cart is vandalized or stolen, comprehensive coverage will cover the costs for repairs or replacement. This type of coverage also protects against damages caused by fire, collisions with animals, natural disasters, or broken glass. Furthermore, if you find yourself in an accident involving another golf cart, an object, or even a street vehicle, collision coverage can help pay for the necessary repairs or replacement of your golf cart.

 

If you are financing your golf cart, your lender might mandate that you maintain both comprehensive and collision coverage.

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Medical payments

Medical payments coverage helps cover your hospital expenses in the event that you or your passengers sustain injuries from a golf cart accident. Although this coverage is optional, it becomes essential if you or your passengers lack health insurance.

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Accessory coverage

If you've enhanced your golf cart with features like a radio, headlights, seat covers, or a unique paint job, it's essential to ensure those upgrades are protected. By having both comprehensive and collision coverage on your golf cart policy, you automatically receive $3,000 in accessory coverage. Should you need more protection, you have the option to buy additional coverage, extending up to $30,000.

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Common questions about insurance for golf carts

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Is golf cart insurance required?

Insurance regulations for golf carts differ from state to state, but obtaining a golf cart insurance policy is advisable even in states where it isn't required—particularly if you intend to use your golf cart in your community. While your homeowners insurance might not extend coverage beyond your property, golf cart insurance will provide the protection you need.

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Do you need golf cart insurance?

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Similar to the regulations for driving golf carts, insurance requirements differ across states, with liability coverage frequently being a necessity. If you own a golf cart, it's likely that you utilize it for purposes beyond just navigating the golf course. Many owners consider their golf cart as an alternative means of transportation for local errands, light shopping, or commuting to and from the golf course.

 

In certain states or municipalities, if you operate your golf cart on public roads, having liability coverage is essential, even if it's not legally required. This protection is crucial in case you are held liable for injuries or damages resulting from a golf cart accident.

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Are golf carts covered under homeowners insurance?

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A golf cart could be included in your homeowners insurance policy when it's on your premises. However, once you take it off your property, that coverage may not extend to protect it from damage. Additionally, most homeowners insurance policies do not provide coverage for golf carts that are registered for road use.

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