You have insurance on your home, vehicles and many other items you own, but do you have insurance on your golf cart? Many people never think about whether insurance is needed for their golf cart, but it may be wise to consider adding it for your protection. In most cases, golf cart insurance is inexpensive, but may come in handy if there is an accident. There are two main options for golf cart insurance: a homeowner’s endorsement and separate auto coverage. Here is the basics on each type and when they are appropriate.
Homeowner’s Endorsement
In many cases, an endorsement can be added to your homeowner’s insurance policy to cover your golf cart. This is usually used when a golf cart is only used for golfing or on your personal property. This is the least expensive option for coverage, but it is limited. If you use your golf cart as personal transportation on neighborhood streets, a separate policy may be needed for better coverage.
Auto/Vehicle Coverage
Your golf cart can be covered as a separate vehicle, protecting you in the event you are in an accident on the street or off your property. If you have a street-legal golf cart, this may be the best option for covering you when you are using your cart as a personal transportation vehicle. Some homeowner associations may require that you have insurance on your golf cart if you use it on the neighborhood streets.
To find out more about golf cart coverage, talk to your local golf cart dealer. They can recommend insurance agents that offer specialized coverage and other safety features you can add to protect against accidents and make your golf cart safer for use.
Posted on behalf of:
Top Dog Golf Carts
55055 Hammond Industrial Dr
Cumming, GA 30041
(770) 887-7433
Whether or not you need specific golf cart insurance depends on where you live, what type of existing insurance coverage you have, the type of golf cart you own, and how you use it. There is no easy answer for everyone, but there are few things you should consider. Also, talk to your homeowner’s or automobile insurance carrier. They can help you decided if your golf cart is adequately covered.
Golf cart use has been on a steady rise for years and the trend is continuing. Once used exclusively on golf courses, these vehicles have become popular modes of transportation in retirement communities, islands, resorts, and planned communities like Peachtree City, Georgia, Sun City, Arizona, and The Villages, Florida. With the increased popularity has come an increase in accidents and injuries. Some golf cart owners have been surprised to discover that their insurance did not cover their golf cart accident.
In many cases, your homeowner’s insurance will provide liability coverage for a golf cart used on a golf course or in a golf community but there are usually restrictions on the size, power, and type of golf cart. Your automobile policy may also provide some liability coverage as well. If you have a street legal personal golf cart, it will most likely be excluded from your standard homeowner’s insurance policy or automobile policy.
If you are using the golf cart on public roads, there are probably state laws that require you to have insurance on the golf cart, especially if the golf cart must be registered. If you live in a retirement community, planned community, golf community, or any type of community that allows golf carts to be driven on the roads or paths, there are likely to be specific local insurance requirements. Check with your homeowners association or local government.
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