Golf carts are often used for transportation, such as getting around small towns, retirement parks and gated communities. Driving any vehicle can be risky, and golf carts are no exception. Golf cart accidents can result in property damage, injuries and medical expenses.
Golf cart insurance is available to protect you, your passengers and your electric vehicle. Some insurers provide golf cart insurance under exclusive policies; others include golf carts in riders under homeowners or auto insurance policies.
Like any other vehicle, a golf cart collision can result in property damage and injuries. Golf carts tend to be easier to steal than the average car. Though they are relatively small, these vehicles can be expensive, whether you choose an electric powered or gas powered golf cart.
There is a theft risk when you leave personal possessions, such as a wallet, phone, camera or purse in your golf cart, so it is important to have adequate coverage if they are stolen. Your personal items are typically covered under your homeowners insurance policy. Be sure to check with your agent to ensure your belongings are covered.
Your golf cart insurance policy can include any or all of the following:
It is important to know what your home and auto policies do and do not cover, as each policy is unique. Most homeowners’ policies exclude coverage for motor vehicle liability. However, home policies will often list two exceptions to this exclusion:
So, a standard homeowners’ policy may cover golf cart damages or injuries on a conditional basis. Be sure to review your policy with a knowledgeable insurance agent. An independent agent in the Trusted Choice network can help you identify whether additional golf cart insurance is a good purchase for you to make based on you situation and golf cart use.
Personal auto insurance policies may or may not cover golf cart risks and liabilities. A typical auto insurance policy provides liability coverage for any automobile you own or use. However, the scope and meaning of the word “auto” can be disputed. Thus, whether you have coverage for your golf cart can be up to the discretion of your insurance company at the time of a claim. Your auto policy may exclude liability coverage for vehicles designed for off-road use. Therefore, understanding the details of your auto insurance policy is crucial.
If you own a golf cart, another important thing to consider is whether anyone else besides you will be driving it. If there is a possibility that you will lend it to another person, or anyone else in your family will be driving it, make sure those drivers will be covered under your policy.
You can usually add an endorsement to either your home or auto policy to cover golf cart use and your liability risks. Again, it is important to talk with an insurance professional and carefully go over your existing policies to ensure that you are fully covered for your risks.