Why should I consider golf cart insurance?

Depending on which state you live in, you may be required by law to obtain insurance for your golf cart. It’s important to review the laws for your individual state, as some states also prohibit operating a golf cart on public roads. If you only drive your golf cart on a golf course, rather than for transportation purposes, you may only need minimal coverage. But if you use it to get from place to place, like driving in a local community, you may want consider additional coverage. You never know when an accident might happen, and it’s better to be protected!

Does my auto or home insurance cover my golf cart?

It all depends on your individual policy, but in most cases, your standard homeowners and auto policies provide minimal protection for your golf cart, especially if an incident occurs outside of your property. Should you have an accident, you would be responsible for any damages, as well as any injuries that result from the incident.

In some cases, you may be able to add an endorsement to your existing homeowners or auto insurance policy. Depending on your needs, you may also want to purchase a policy specifically for your golf cart. To best determine what kind of coverage you need, you’ll want to speak with your local agent.

What types of coverage are available?

Depending on how often and where you drive your golf cart, you may want to consider a variety of coverage options to keep you protected:

• Collision coverage: if you accidentally hit someone’s fence or another person’s golf cart and are not insured, you may be held responsible for repairing the damages. Collision coverage can help cover the costs of repairing your golf cart.
• Property damage liability: if you cause damage to someone else’s property, including their home or vehicle, this coverage can help to pay for the damage, and can help protect you financially.
• Bodily injury liability: if you have an accident where someone else is injured, this coverage helps cover the cost of doctor, hospital or dental bills. If you have passengers on your golf cart frequently, you may want to consider adding this type of coverage.
• Comprehensive coverage: this coverage will help protect you in other situations, including theft of your golf cart or weather-related damage. If you live in an area where natural disasters are a threat, you may want to consider adding this coverage.

How can I save money on my golf cart insurance?

If you’re concerned that adding golf cart insurance to your existing policy might break the bank, there are a few things you can do to save you some money on your premium:

• If you’re able to bundle multiple policies, including home and auto (with your golf cart coverage added), you may be eligible to receive a multi-policy discount.
• You may have the option to pay your policy in full for the year, which may provide you with an additional discount.
• Depending on your insurance company’s coverage, you may be eligible to complete a driver safety course to save you additional money on your policy.

If you’re uncertain about what type of coverage you need, or want to know what may already be covered under your existing policy, reach out to your local agent. They’ll help you find the coverage you need, no matter where you live or what you drive!