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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Jul 19, 2021

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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. If you drive your golf cart a lot, especially on public roads, such as in a small town or a gated community, you will want to make sure you have insurance coverage for golf cart accidents.

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.

You can also look into additional coverage, such as underisnured motorist and uninsured motorist policy coverages. You should probably have more than just liability coverage only on your golf cart. 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.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

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