Golf carts have become increasingly popular vehicles for summer adventures, adding a thrilling element to your leisurely activities. If you drive your golf cart in your neighborhood or on off-road trails, it’s important to have insurance to protect it. 

Do you need insurance for your golf cart? 

While golf carts may seem like harmless recreational vehicles, they are not exempt from potential risks and accidents. Just like any other motorized or electric vehicle, carts are susceptible to collisions, theft, vandalism, and other unexpected incidents. Therefore, it becomes essential to safeguard your investment by securing the right insurance coverage. 

One of the primary reasons to obtain insurance for your golf cart is to protect yourself financially in case of an accident. If you were to collide with another vehicle or cause damage to someone’s property, having insurance coverage would help cover the costs of repairs and any potential liability claims that may arise. Without insurance, you would be responsible for paying for these expenses out of pocket, which could be financially devastating. 

Moreover, insurance coverage for your golf cart can also provide protection against theft and vandalism. Unfortunately, these incidents can occur even in seemingly safe neighborhoods. By having insurance, you can have peace of mind knowing that you are financially protected in case your cart is stolen or damaged due to an act of vandalism. 

Liability Coverage 

Accidents can happen, whether it’s a collision or a passenger falling off the cart due to sudden movements. Insurance coverage can extend to cover any injuries sustained by you or others while operating the golf cart. Having the appropriate insurance coverage can help cover medical expenses, rehabilitation costs, and potential legal fees that may arise from such incidents. 

Golf carts that tend to stay on property will fall under homeowners’ insurance while carts driving on public roads, may need to adhere to specific regulations and obtain additional coverage options and will fall under an auto insurance policy.  It is worth noting that the insurance coverage required for golf carts may vary depending on your location and intended usage. Some states may require a minimum level of liability insurance like what is required for traditional vehicles.  

Bundling Multiple Policies 

If you already have other insurance policies, such as home or auto insurance, it’s worth considering bundling your golf cart insurance with these existing policies. Many insurance providers offer multi-policy discounts, which can lead to significant savings. 

Your golf cart is a valuable possession, so it deserves proper protection. Home insurance may provide some limited coverage for your cart, but it’s crucial to explore specialized golf cart insurance options. These policies are specifically designed to address the unique needs of carts and can provide comprehensive coverage against theft, vandalism, accidents, and other unexpected incidents.  

With the right insurance coverage in place, you can unleash the fun and enjoy your home-kept golf cart all summer long with peace of mind that you’re well-protected.

Schedule a time to call our licensed insurance agents at (757) 248-5973 for a quick chat to get started!