When Should You Consider Getting Golf Cart Insurance?

Golf carts are a common mode of transportation for golfers and are also used in various other settings, such as retirement communities, college campuses, and resorts. Many people assume that golf carts are covered by their home insurance or auto insurance policy, but this is not always the case. 

If you own a golf cart or plan to purchase one, it’s important to consider getting golf cart insurance to protect yourself and your investment. 

This article explores when you should consider getting golf cart insurance and what types of coverage are available. 

If You Use Your Golf Cart Off the Golf Course 

If you use your golf cart for transportation outside of the golf course, such as for errands or to get around your community, you should consider getting golf cart insurance. 

Homeowners insurance policies typically only cover golf carts while they are on your property, and auto insurance policies may not provide coverage for golf carts. 

If You Rent or Lease a Golf Cart 

If you rent or lease a golf cart, the rental company may require you to have golf cart insurance as part of the rental agreement. Even if it’s not required, it’s a good idea to have insurance to protect yourself in case of an accident. 

If Your Golf Cart Is Expensive 

If you have invested a significant amount of money in your golf cart or it has expensive accessories, you should consider getting insurance to protect your investment. 

If your golf cart is destroyed or stolen, you can be liable for the full cost of replacement or repairs if you don’t have insurance. 

If You Use Your Golf Cart for Business Purposes 

If you use your golf cart for business purposes, such as on a golf course or at a resort, you may be required by law to have insurance. Even if it’s not required, it’s a good idea to have insurance to protect your business from liability in case of an accident. 

Types of Golf Cart Insurance Coverage 

1. Liability Coverage 

The most fundamental kind of golf cart insurance is liability coverage, which pays for harm done to other people’s property or people when you are at fault in an accident. This coverage is required by law in some states and is a good idea to have even if it’s not required in your state. 

2. Collision Coverage 

Collision coverage covers damages to your golf cart if you are in an accident, regardless of who is at fault. This coverage is optional but is a good idea if you have a newer or more expensive golf cart. 

3. Comprehensive Coverage 

Comprehensive coverage covers damages to your golf cart that are not the result of an accident, such as theft, vandalism, or weather-related damage. This coverage is optional but is a good idea if you live in an area with a high risk of theft or severe weather. 

4. Underinsured/Uninsured Motorist Coverage 

If another person causes an accident with you and they don’t have insurance, or their insurance is insufficient to cover the damages, underinsured/uninsured motorist coverage will pay for any damages to you or your golf cart. 

This coverage is optional but is a good idea if you live in an area with a high number of uninsured drivers. 

Conclusion 

If you own or plan to purchase a golf cart, it’s important to consider getting golf cart insurance to protect yourself and your investment. Golf carts are not always covered by home or auto insurance policies, and even if they are, the coverage may not be sufficient. 

You may rest easy knowing you are covered if there is an accident or theft by purchasing golf cart insurance.

Protect your golf cart with Bassine Insurance Agency—the trusted auto insurance agency in Sarasota! As a leading insurance provider in Florida, we offer comprehensive coverage for your manufactured home, boat, auto, and golf cart. 

With Bassine Insurance Agency, you can rest easy knowing that you’re protected from life’s unexpected events. Contact us today to speak with one of our experienced agents and get the coverage you need.

For more information, visit the Insurance Information Institute.

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