Why You Need Golf Cart Insurance in Florida Right Now

golf cart

That’s a strange statement, isn’t it? Why should you get golf cart insurance when these vehicles are used mainly on country club courses? As it turns out, citizens in this humid state like to get around on a highway, country road, neighborhood, or even a few blocks with one! Whatever the case, if you use your golf cart on public roads, your homeowner’s insurance will cover damage to your golf cart while it is on your property. However, you will need specific golf cart insurance in Florida to cover it when it is off your property.

The following are practical reasons to get this policy for yourself:

Bodily Injury

When you purchase golf cart insurance, you’re essentially buying peace of mind. If you or someone else is injured while riding in your golf cart, your insurance will help cover the costs of medical treatment. It can also provide coverage if your golf cart is damaged or stolen.

Bodily injury coverage is auto insurance that pays for medical and other expenses for you and passengers if you’re involved in a vehicular incident. If you get into an accident and injure someone, your insurance will help cover their medical expenses.

Collisions

The cost of repairing a golf cart can be expensive. However, if you have golf cart insurance that includes collision coverage, you will not have to pay for the repairs. This insurance covers damages to your golf cart from a collision with another vehicle, person, or object. If the golf cart is totaled in a collision, your insurance will pay to replace it so long as you can prove you were not the party at fault. 

Property Damage

This insurance coverage helps protect you financially if you damage someone else’s property. For example, if you accidentally hit a parked car, your property damage coverage would help pay for the other car’s repairs.

Roadside Assistance

If you have a roadside assistance rider on your golf cart insurance policy, you can call for help if your golf cart stops working. A mechanic may be able to fix the problem, or they can give you a ride to another safe location if they can’t fix it. 

Roadside assistance coverage is a service that helps you if your golf cart breaks down. If you have this coverage, you can call for help, and someone will come to fix your cart.

Transport Trailer

Transport trailer insurance is a policy that helps protect your trailer and its contents while it is being transported. This rider can help you with the cost of repairs or replacement if your trailer is damaged or stolen while in transit. It can also help cover the cost of contents that may be lost or damaged while your trailer is being transported.

If you own a golf cart, it’s important to have insurance that covers damage to the cart and trailer. Most golf cart insurance policies don’t automatically cover trailers, but you can add this coverage. The cost of adding trailer coverage to your policy will depend on the type of trailer, its age, and how often you use it. However, trailer coverage is usually quite affordable and is a good investment.

Conclusion

For manufactured home, boat, auto, and even golf cart insurance in Florida contact Bassine Insurance Agency today! We provide the best rates and comprehensive coverages in the state. Get your free quote by visiting our website.

Getting A Boat Insurance in Florida: What Does It Cover?

insurance

Boat insurance is an important consideration for any boat owner, but it is especially important for those who live in Florida. The state’s warm climate and many waterways make it a popular destination for boaters, but it also exposes them to a greater risk of accidents and damage.

With a good insurance policy, you can truly sit back, unwind, and ride the waves while keeping peace of mind and protecting your financial assets. Continue reading to learn about boat insurance, its cover, and how to pick a reliable policy.

What Does Boat Insurance Cover?

Understanding the security that boat insurance offers clarifies why you need it. Boat insurance frequently provides a range of coverage options, much like vehicle insurance does.

Boat Insurance Policy

How do you choose the best boat insurance company when you have so many possibilities? A certain amount of personal preference is involved while choosing the finest boat insurance. The best course of action might not be the same for you or your neighbor. 

Dealing with a boat insurance agency that can evaluate your needs and recommend the best line of action is therefore advised.

There are a few crucial principles to consider when choosing boat insurance coverage.

Confirm That The Policy Covers Gasoline Leaks

The Oil Pollution Act and the Clean Water Act forbid the discharge of fuel or oil into American waters. In other words, if oil or gasoline leaks from your boat, you’ll be responsible for paying any cleanup costs. Fuel can spill, so confirm that your boat insurance will cover cleanup costs. Liability insurance frequently protects against fuel spills.

Pay Attention to the Deductible

Like most other insurance types, boat insurance has a deductible. You must pay before your insurance starts to cover the losses. Depending on the insurance plan, the deductible might be as low as $250 or as high as $2,000 annually.

With a higher deductible, insurance policies are frequently less expensive. But if you were to make a claim, you’d need to have enough cash on hand to pay your insurance deductible. If you can, avoid purchasing Florida boat insurance with a high deductible.

Keep In Mind the Coverage Limits

In boat insurance contracts, the limits for property damage, personal responsibility, and medical coverage are usually divided. Your responsibility is to pay any costs that exceed your insurance’s coverage limits.

Keep a close eye on your medical coverage restrictions. If two or three people are harmed in an accident, the $25,000 or even $50,000 medical coverage maximum may be quickly exceeded. In many cases, paying more for insurance with higher medical coverage limits is worthwhile, especially if you frequently take guests out on your boat.

Decide On A Local Insurer

Wherever possible, choosing a boat insurance carrier with local agents is the best choice. This raises the chance that the insurer will be familiar with Florida’s specific boating and boat insurance laws. They’ll give you better coverage because their suggestions will be informed by additional information.

You can also meet with a nearby insurance agent to discuss your needs when you need to file a claim or change your policy. This typically results in clearer communication than merely trying to negotiate over the phone or online.

Even if your loan is fully paid off, you still need boat insurance in Florida. When you’re not worried about the costs of an unforeseen accident, sailing in the cool, blue water is more enjoyable. 

Conclusion 

Boat insurance is an important consideration for any boat owner in Florida. There are different factors to consider when choosing an insurance policy, including the type of boat, the value of the boat, and the level of coverage desired. Boat insurance can provide peace of mind in the event of an accident or theft and can help to protect the boat owner’s financial investment in their boat.

If you require manufactured home, auto, golf cart, or boat insurance in Florida, contact Florida Manufactured Home Insurance Agency so that we can assist you. Get a FREE quote today!