How to insure golf carts for liability and physical damage?
UPDATED: Sep 6, 2017
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Asked September 6, 2017
If you're driving a golf cart on a regular basis, you should have it insured to cover both the cart and any drivers or passengers. They serve mostly as recreational vehicles that are not meant to be on regular roads. Even with seatbelts and at relatively slow speeds, people can get in serious accidents.
The two most common ways to insure your golf cart for liability coverage and physical damage are coverage through your homeowners insurance plan or your automobile insurance plan. Whether your concerned about possible damage your golf cart may suffer while visiting your neighbors down the road or to ensure you are covered in case you run into significant medical bills, it is important to have reliable insurance protection. Some people are just concerned about theft or vandalism. Homeowners insurance will cover your cart while on the golf course, in a private residential area, and while crossing public roads to travel to new spot on the golf course. Under this type of coverage, you will be covered while driving around your gated community if the roads are controlled by the community and allow golf carts.
Using your automobile policy, you may be able to find a wider range of coverage under the miscellaneous vehicle type endorsement. This typically allows you to have the cart covered with equal to or less amounts of coverage available for the cars on your policy. Of course, the numbers and expected coverage can change if your golf cart is street legal to drive on public roadways. Depending on the golf cart policy, you might run into questions like whether your cart has seat belts or if you want collision coverage. Some insurance companies may refuse to cover your golf cart under your automobile policy in which case you may have to purchase a separate policy.
How Do You Find the Right Golf Cart Insurance Policy?
If you're shopping for a home or auto insurance policy with golf cart coverage, talk to an insurance agent. Let them shop around for you and help you compare coverage between different parties. The cost can vary based on how much protection you want, but you don't necessarily need every optional coverage. Similarly, there are some you shouldn't go without. Independent insurance agents can help you sort out these details.
Answered September 11, 2017 by pbanion