Category: 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.

Golf carts are a popular way to get around golf courses, communities, and other areas. Just like owning a car, it is important to have insurance for your golf cart in case of accidents, theft, or other damages. 

Golf cart insurance is used to help protect your golf cart, and any passengers, from liability and financial losses. It is important to understand the different types of coverage available and to choose the right coverage for your needs.

How Does Golf Cart Insurance Work?

Golf cart insurance is an insurance policy that covers the damage and liability risks associated with the ownership and operation of golf carts. Coverage may include physical damage to the golf cart, liability for bodily injury or property damage caused by the golf cart, and other additional coverages. 

Coverage may also extend to items such as personal effects and contents, as well as emergency roadside assistance. 

Golf cart insurance is typically available as an add-on to an existing homeowner’s policy, or as a stand-alone policy. It is important to understand the coverage limits and exclusions of the policy, so that you can be sure that you are adequately protected.

What Does Golf Cart Insurance Cover?

Golf cart insurance is a specialized form of insurance that provides coverage for golf carts. It covers the costs associated with damages, injuries, and other liabilities that may arise from an accident involving the golf cart. Coverage may include liability protection, collision coverage, and medical payments coverage. 

Depending on the policy, it may also cover damage to the golf cart itself and its accessories. In some cases, golf cart insurance policies may also provide coverage for theft, vandalism, and other losses.

How Do You Know if You Need Golf Cart Insurance?

Golf cart insurance can provide coverage for bodily injury, property damage, theft, and other risks associated with the use of a golf cart.

To determine if you need golf cart insurance, consider the value of the golf cart, the frequency of its use, and the risks associated with the area in which it is driven. If you plan to use your golf cart in public areas, you may want to consider coverage for collision and other damage. 

Furthermore, if you plan to transport passengers or cargo in your golf cart, it is advisable to obtain liability coverage in case of an accident. Ultimately, the decision to purchase golf cart insurance is up to you, but it is important to consider the risks associated with your particular situation.

Is Your Golf Cart Covered by Home Insurance?

Golf carts are becoming increasingly popular as a form of transport in residential areas. As with any vehicle, it is important to consider if your golf cart is covered by your home insurance. 

Whether or not your golf cart is covered by your home insurance policy will depend on the specific details of your policy and the type of golf cart you own. 

Generally speaking, golf carts are considered a personal recreational vehicle and may not be covered under the same policy as your home insurance. It is important to check with your insurer to understand the specifics of your policy.

How Do You Get Golf Cart Insurance?

Golf cart insurance is an important form of protection for golf cart owners. It provides coverage for damage and liability in the event of an accident. To get golf cart insurance, contact an insurance provider that offers the coverage. 

You will need to provide information about the type of golf cart you have, the age of the golf cart, and your driving history. The insurance provider will then provide a quote based on the information provided.

Conclusion

Golf cart insurance is an important form of protection for golf cart owners. It provides coverage for damage and liability in the event of an accident. To get golf cart insurance, contact an insurance provider that offers the coverage. 

If you are considering protection for your golf cart, Florida Manufactured Home Insurance Agency can help you out. We provide golf cart insurance in Florida so you don’t have to worry about your golf equipment again. Get in touch with us today to learn how.

Golf carts are becoming increasingly popular in Florida, both for recreational and commercial use. You are not required to have it insured, but if you are a golf cart owner, you may want to take that extra measure for your safety. 

If you already have it insured, keeping your cart’s insurance policy up to date and ensuring that it covers all the necessary aspects of liability is important. Golf cart insurance in Florida is generally easy to purchase and renew, but you can make the process much smoother and more cost-effective. Below are some tips you can follow:

Know Who You’re Insuring 

When renewing and updating your golf cart insurance policy, keep in mind who you are insuring. In most cases, the policyholder should be the cost of the golf cart, as they are the ones who will be most exposed to liability in the event of an accident. It is also important to make sure that all drivers of the golf cart are listed on the policy, as this will ensure that anyone who drives the golf cart has the coverage they need.

Check Your Coverage 

Take the time to review your current policy to make sure that it is sufficient for your needs. This means checking if your coverage limits are high enough to provide adequate protection in the event of a claim and that the policy covers all the features of your golf cart. It is also important to ensure that any additional features that have been added since you purchased the policy (e.g. custom wheels) are also covered.

Shop Around for the Best Rate 

Another important tip for renewing and updating golf cart insurance in Florida is to shop around for the best rates. While rates vary from one insurer to another, it’s important to make sure that the policy you select provides the necessary coverage and is affordable. You may want to compare rates from several different insurers to make sure you are getting the best possible deal.

Get the Right Policy for You 

Once you have narrowed your search to a few different insurers, make sure you purchase the right policy for you. This means carefully reviewing the coverage options, deductibles, and exclusions to see if it meets your needs. For example, some policies may exclude coverage for custom parts, while others may offer additional coverage in the event of an accident.

Get an Adjustment Clause 

Finally, it’s important to ensure you have an adjustment clause in your golf cart insurance in Florida. This clause allows you to adjust the coverage options, deductibles, and exclusions as needed, to make sure that you have the coverage you need at all times while still keeping the cost of your premiums down.

Conclusion

Renewing and updating your golf cart insurance policy in Florida is key to keeping yourself and your vehicle safe and protected. The most important things to remember are to check your coverage and shop around for the best rate. Make sure you purchase the right policy and get an adjustment clause.

If you are looking for comprehensive golf cart insurance in Florida, turn to Florida Manufactured Home Insurance Agency. We provide policies to protect you and your vehicle at the same time. Get a quote today.

What’s the last thing you think about when owning a golf cart? Possibly accidents. Yes, your golf cart, a motor vehicle, is capable of causing damage to both properties and people, and the last thing you want to deal with is to pay for damage that your golf cart has caused. This is where golf cart insurance comes in.

What’s Golf Cart Insurance?

Golf cart insurance is a type of insurance that provides coverage for golf carts and other small vehicles used to transport people and goods on golf courses. It is a specialized form of insurance that covers the loss or damage of the golf cart, its passengers, and the goods being transported. It also provides liability coverage for bodily injury or property damage caused by the golf cart.

Do I Need Golf Cart Insurance?

The answer is simple: it is highly recommended! It offers you peace of mind when using your golf cart, and in some states, it is even required for you to have golf cart insurance.

That being said, when considering whether or not you need golf cart insurance, it is important to consider the risks associated with operating a golf cart. In the event of an accident, theft, damage, or injury, golf cart insurance can help protect you from financial losses. Furthermore, if you are operating a golf cart in a state where it is required by law to have insurance, not having it could result in hefty fines.

What Does Golf Cart Insurance Cover?

First, golf cart insurance typically provides liability coverage for bodily injury and property damage caused by the use of a golf cart. This coverage pays for damages that the driver of the golf cart is responsible for, such as medical bills, repair costs, legal fees, and lost wages. It also covers any damage to other people’s property caused by the golf cart.

Golf cart insurance also usually provides physical damage coverage for the golf cart itself. This coverage pays for repairs or replacement of the golf cart in the event of an accident, theft, or other covered peril.

Finally, golf cart insurance may provide medical payment coverage. This coverage pays for medical expenses incurred by the driver and passengers of the golf cart in the event of an accident. It may also cover accidental death and dismemberment.

How Do You Find the Right Policy?

When shopping for golf cart insurance, it is important to read the policy carefully to understand exactly what is and isn’t covered. Some policies may not provide coverage for certain types of golf carts, such as off-road vehicles, or may only provide limited coverage for certain perils. Additionally, it is important to make sure that the limits of the policy are sufficient to cover potential losses.

Conclusion

Overall, golf cart insurance can provide peace of mind to those who own or operate golf carts. By understanding what is covered and what is excluded, golfers can make sure they have the protection they need in the event of an accident or other covered peril. So, what are you waiting for? Get insured today!

Florida Manufactured Home Insurance Agency offers various insurance policies to meet any individual’s insurance needs. If you are looking for golf cart insurance in Florida, contact us today.

Golf carts have become a prevalent mode of transportation in Florida, particularly in retirement communities and beach towns. They offer an alternative to larger vehicles and are often more affordable than traditional cars. Plus, they’re fun to drive!

With their convenience, affordability, and fun factor, it’s no wonder why golf carts are so popular with residents and visitors alike. However, it’s important to remember that golf carts are still considered motor vehicles and must be insured. So what is golf cart insurance in Florida, and what are its top requirements? 

How Florida Law Defines Golf Cart

The Florida Department of Highway Safety and Motor Vehicles states that a golf cart is any motor vehicle constructed and produced for operation on a golf course for sporting or competitive purposes and cannot exceed 20 miles per hour. Of course, one should distinguish golf carts from low-speed vehicles (LSV) because they can travel faster than 20 mph.

Furthermore, the rules that apply to LSVs are quite different from golf carts. For instance, LSVs can be driven on public roads, but golf carts are not. You must have a legitimate driver’s license to drive an LSV, but not a golf cart.

The Rules for Operating a Golf Cart in Florida

Good news because golf carts don’t need to be titled or registered in Florida. You don’t need to purchase a license plate to drive one. However, there are certain rules that you must follow when operating a golf cart in Florida. 

First, you must be at least 14 years old and have a valid driver’s license to operate a golf cart on public roads. Second, you must obey the same traffic laws that apply to other motor vehicles. This includes driving at a safe speed, stopping at stop signs and red lights, and yielding to pedestrians and other vehicles.

Lastly, you must ensure that your golf cart has proper safety features, such as headlights, taillights, and horns. You must also ensure that your golf cart is in good working condition. 

Should You Still Get Golf Cart Insurance in Florida?

Golf cart insurance is not a requirement in Florida since golf carts are not considered motor vehicles. However, getting insurance for your golf cart to protect yourself and your property is still a good idea. This insurance policy covers damages caused to you, your golf cart, or other people’s property in the event of an accident. It can also provide financial protection against theft, vandalism, and other potential liabilities.

Which Insurance Coverage Applies to Golf Carts?

You can opt for a homeowners insurance policy to cover your golf cart, but the coverage will likely be limited. Generally, homeowners insurance policies provide liability coverage for bodily injury and property damage caused by the golf cart owner. You may also be able to purchase additional coverage for physical damage to your golf cart.

A specialized golf cart insurance policy may be the best option for comprehensive coverage. These policies are designed to provide coverage for liability, physical damage, and additional riders, such as roadside assistance and rental reimbursement. 

Final Thoughts

Florida’s golf cart insurance is an important and necessary insurance policy for golf cart owners. It provides coverage for various situations, including damage to the cart, medical bills for any injury, and liability for any damage caused by the cart’s operation. With the right coverage and preparation, you can enjoy a stress-free ride on your golf cart and have peace of mind that you’re covered in the event of an accident.

Florida Manufactured Home Insurance Agency provides affordable and comprehensive golf cart insurance in Florida to aid in protecting your golf cart and its passengers. Our policies provide coverage for physical damage, liability, and additional riders. Get a free quote from us today!

Golf is quite a popular sport in many parts of Florida. There are a number of golf courses in Florida that are very popular among people who love the sport. But golf itself will not be complete without the use of golf carts. Golf carts can be a fun and convenient way to get around. In fact, some of them can be considered street-legal vehicles. However, they also come with some risks. That’s why it’s important to have the right insurance in place in case of an accident or other incident.

What is Golf Cart Insurance?

Golf cart insurance is a type of insurance that is specifically designed to cover golf carts. It is not the same as regular vehicle insurance, and it is important to understand the differences before you purchase a policy. Golf cart insurance can cover things like damage to the cart, theft of the cart, and personal injury. It can also cover any damage that is caused by the cart to another person or property.

What Does Golf Cart Insurance Cover?

Golf cart insurance is a type of insurance designed to protect golf cart owners from financial losses related to their vehicles. Golf cart insurance can cover damages to the golf cart itself, as well as injuries that occur to people while riding in the golf cart. Golf cart insurance is not required in all states, but it is a good idea to purchase it if you plan on using your golf cart on a regular basis.

There are a few different things that golf cart insurance can cover. The first is damage to the golf cart itself. This can include damage from an accident, weather, or even theft. If your golf cart is damaged, the insurance company will reimburse you for the cost of repairs or replacement.

The second thing that golf cart insurance can cover is injuries that occur to people while riding in the golf cart. If you or a passenger is injured in an accident, the insurance company will help pay for medical expenses. Golf cart insurance can also cover property damage that occurs while the golf cart is being driven. This can include damage to other vehicles, buildings, or even landscaping.

How to Find the Right Golf Insurance in Florida

There are a few things to consider when shopping for golf cart insurance, such as the value of your golf cart, the type of coverage you need, and the deductibles and limits that are right for you.

The value of your golf cart should be one of the first things you consider when shopping for insurance. If you have a newer or more expensive golf cart, you’ll want to make sure it’s fully covered in the event of an accident. You should also consider the type of coverage you need. Basic liability coverage may be sufficient for some people, while others may want comprehensive coverage that includes protection from damage to the golf cart itself.

Deductibles and limits are another essential consideration. A higher deductible will mean lower premiums, but you’ll need to be prepared to pay more out of pocket if you do have an accident. It’s important to strike a balance between the premium you’re willing to pay and the amount of coverage you’re comfortable with.

Once you’ve considered all of these factors, you can start shopping around for the right golf cart insurance policy. Be sure to get quotes from several different insurers to compare rates and coverage options. With a little research, you can find the perfect policy to protect your golf cart investment.

Conclusion

Golf cart insurance is an important consideration for anyone who owns or operates a golf cart. There are a variety of factors to take into account when choosing the right policy, including the type of coverage you need, the value of your golf cart, and your budget. By doing your research and shopping around, you can find the right policy to fit your needs and keep your golf cart protected.

Finding the right insurance policy for your golf cart or any other vehicle shouldn’t be hard at all, especially with the help of Bassine Insurance. We are a trusted insurance agency in Fort Myers, servicing the entire state of Florida. We have a wide range of insurance products that can give you the kind of protection you need at a price you can afford. For more information about our products and services, contact us today.

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.