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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: Jun 28, 2016

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Ensure Your Golf Game with Insurance

Chip in Golf

Golfing is a dangerous sport. Golf carts can end up in the drink, clubs can be stolen, and you most certainly can lose a bet. Thankfully, there is insurance for all of those so you can focus on lowering your handicap and hitting that birdie. Here are three insurance policies that may come in handy for your game and gear.

1. Golf Cart Insurance

Though golf carts only clock in at maximum speeds of 12 miles per hour, these little beauties can be plenty dangerous. From 1990 to 2006, there have been a total of 147,696 golf cart related injuries. What’s more, only a third of those victims were children. In other words, just because you are a grown adult doesn’t mean you are immune to the dangers of flipping a golf cart. So before you think about joining the average 15,000 golf cart injuries per year, maybe insurance would be a good thing to consider.

Typically golf carts are not included in homeowner and car insurance policies, but you may be able to add on an endorsement depending upon your provider. Alternatively, you can also choose to purchase a policy specifically for your golf cart. The main coverages you’ll want to look for when insuring a golf cart is property damage liability coverage, bodily injury liability coverage, collision coverage, and comprehensive coverage. Bet you never thought a golf cart was capable of such destruction. Well, with this kind of insurance coverage you can pilot that golf cart without a care in the world.

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2. Hole-in-One Insurance

Hypothetical scenario. You make a $10,000 wager for a hole-in-one competition on #8, a hole that measures 170 yards. You think no way any of your friends or work associates will actually score the ace when it comes down to it. As you sit there counting their bets, Jerry, with a handicap of 28, somehow sinks a hole in one. Congratulations, you are $10,000 in the hole! Unless you purchased Hole-in-One insurance beforehand that is.

A Point Of View picture of 4 Golf Players and Golf Ball view From Inside the Hole on a sunny day of summer. The players are excited and happy.

Even though the odds for a pro golfer to score an ace are 2,500 to 1, it never hurts to be insured when the Jerry’s of the world somehow sink the luckiest golf shots of their lives. Insurance providers, like US Hole in One, will actually cover the costs should your wager go south on you. Of course the scope of Hole-in-One insurance goes beyond silly wagers, you can also insure hole-in-one charity events for example. Second hypothetical scenario. You hold a charity hole-in-one event offering $10,000 should anybody actually score an ace. Except this time you decided to purchase a contest coverage package for $262. Jerry, once again, miraculously sinks the shot, except this time your insurance provider pays the prize. The total amount coming out of your pocket? $262.

Gold Club Insurance

Golf clubs are the lifeblood of the golfer. Before waxing too philosophical, we can all agree golfing doesn’t happen without gold clubs. If you happen to be an avid golfer, chances are your golf clubs are sitting in the back of your car right now in case you decide to hit the back nine on your way home from work. Hopefully this doesn’t come across as too scary, but golf clubs in the back of a car are susceptible to theft.

Though typical auto insurance policies contain comprehensive coverage, golf clubs might not be included in your policy. Or if you have a particular posh set of golf clubs, there’s a decent chance that their value is worth more money than the limits on your personal property coverage. Once you’ve broken in your clubs are finally hitting your irons just right, the last thing you want is to lose your clubs and have to pay to replace them out of pocket. Now might be a good time to double check your current insurance coverage.

There you have it golfers, three things that you should make sure are insured. Use Obrella for more helpful information on insurance coverage. Keep it in the fairway!


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