Do I Need to Insure My Golf Cart?

Your golf cart is a motor vehicle that is capable of causing damage to both people and property in the event of an accident. It’s important to have insurance coverage to protect you if this ever happens. In fact, some states require you to have golf cart insurance.

Why Golf Cart Insurance is Important

Your home insurance policy may cover a golf cart stored on your property, or driven around on it, but the insurance policy is unlikely to provide coverage if you damage your golf cart on other premises.

A golf cart stored in your garage can sometimes be included in home insurance policies covering damage or theft to personal possessions. Those possessions almost always have to be physically on your property when the incident occurs. Most states don’t require a specific driver’s license to operate a golf cart on roads, therefore auto insurance policies rarely cover the carts.

Your best bet is to bundle your home insurance policy with a golf cart policy to get the maximum amount of protection you’ll need.

What Does Golf Cart Insurance Cover?

Golf cart insurance coverage is similar to auto insurance. Here are some of the basic types of coverage you can expect to find.

  • Collision Coverage: This helps pay for damage if you collide with another cart or object, regardless of fault.
  • Property Damage Liability: This covers the cost of repairs for damages your cart causes to another person’s property.
  • Bodily Injury Liability: This covers the cost of medical and legal bills for another person you injure with your golf cart.
  • Comprehensive Coverage: This can help cover damages incurred to your golf cart through fire, theft, or other instances that aren’t covered by your home insurance policy.

Golf cart insurance can help you rest easy knowing your cart is covered no matter what happens. You paid good money for your golf cart and it’s important to protect your investment as much as possible.

When you know that you want insurance for your golf cart, give an agent a call. They can make sure you get the golf cart insurance that is best for your specific needs.

This site is a U.S. Consumer site. You can learn more about our site and privacy policy here.