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Everything You Need to Know about Golf Cart Insurance

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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.


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.

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