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 and Golf Cart Insurance Florida
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.
Get a Free Quote Today Understanding golf cart insurance florida options is essential for Florida residents.
Need golf cart insurance in Florida? Call Bassine Insurance at (239) 995-3515 to get covered today, or contact us online.
Frequently Asked Questions
Is golf cart insurance required in Florida?
If you operate your golf cart on public roads in Florida, you are required to carry minimum liability insurance, just like a regular vehicle. Golf carts used only on private property or within golf courses may not require insurance, but coverage is still recommended to protect against accidents and liability.
What does golf cart insurance cover?
Golf cart insurance typically covers liability for bodily injury and property damage, collision damage, comprehensive coverage for theft or weather damage, medical payments, and uninsured motorist protection. Contact Bassine Insurance Agency at (239) 995-3515 to discuss your golf cart coverage options.
How much does golf cart insurance cost in Florida?
Golf cart insurance in Florida typically costs between $100 and $500 per year, depending on the cart’s value, where it is driven, coverage limits, and whether it is street-legal. Street-legal golf carts driven on public roads usually cost more to insure than those used only on private property.
Why should I use an independent insurance agency in Florida?
An independent insurance agency like Bassine Insurance Agency represents multiple carriers, not just one company. This means they can compare rates and coverage options across several insurers to find the best policy for your needs and budget. Call (239) 995-3515 to get started.
How do I contact Bassine Insurance Agency?
You can reach Bassine Insurance Agency at (239) 995-3515, by email at mh@bassineinsurance.com, or by visiting the office at 909 Pondella Road, North Fort Myers, FL 33903. The team specializes in mobile home, auto, boat, and golf cart insurance.
Contact Bassine Insurance today to learn more about golf cart insurance florida and protect what matters most.
Related coverage: Review our Golf Cart Insurance options and contact Bassine Insurance for help with your policy.
Florida service areas: We help policyholders in Bradenton, Sarasota, Stuart, Naples, North Fort Myers.
Related reading: What Golf Cart Insurance Agents Want You to Check Before Spring and Florida Golf Cart Insurance for Street-Legal Carts Explained.
