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 and Golf Cart Insurance
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.
Get a Free Quote Today
Need golf cart insurance in Florida? Call Bassine Insurance at (239) 995-3515 to get covered today, or contact us online.
Frequently Asked Questions
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.
Can I add my golf cart to my homeowners insurance policy?
Some homeowners insurance policies offer limited golf cart coverage, but this usually only applies when the cart is used on your own property. For broader protection, especially if you drive on public roads, a standalone golf cart insurance policy is recommended.
Can my insurance company refuse to renew my policy?
Yes, an insurance company can choose not to renew your policy, typically due to excessive claims, changes in their risk appetite, or withdrawal from certain markets. In Florida, the insurer must provide at least 120 days notice for non-renewal of homeowners policies, giving you time to find alternative coverage.
Should I switch insurance companies at renewal?
You should consider switching if your premiums have increased significantly, your coverage needs have changed, or you find better rates elsewhere. However, loyalty discounts and established claims history with your current carrier also have value. Compare the full picture, not just price.
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 Are The Requirements for Florida Golf Cart Insurance? and Everything You Need to Know about Golf Cart Insurance.
