Golf carts might seem low-risk, but accidents can and do happen. From collisions with other carts, vehicles, or pedestrians, to theft or vandalism, there are a number of situations where having insurance is crucial.
Some homeowners’ policies offer limited coverage if your golf cart is used strictly on your property. But the moment you take it off-property, you’re likely no longer protected unless you have a specific golf cart insurance policy in place.
What Does Golf Cart Insurance Cover?
A golf cart insurance policy can be customized to fit your needs. Common coverages include:
- Liability Coverage – Covers bodily injury or property damage to others if you’re at fault in an accident.
- Collision Coverage – Helps pay for damage to your cart if you’re in an accident.
- Comprehensive Coverage – Protects against theft, vandalism, fire, and weather-related damage.
- Uninsured/Underinsured Motorist Coverage – Protects you if you’re hit by someone who doesn’t have insurance or doesn’t have enough coverage.
- Medical Payments – Covers medical expenses for you and your passengers after an accident, regardless of who’s at fault.
Is Golf Cart Insurance Required?
In some states or local communities, golf cart insurance is legally required, especially if your cart is considered a Low-Speed Vehicle (LSV) and registered for street use. Requirements can vary based on where and how you use your golf cart, so it’s important to check local laws—and we’re here to help with that!
Tips to Stay Protected
- If your golf cart is street legal, you’ll need a policy similar to a standard auto policy.
- Keep your cart locked and stored safely to prevent theft.
- Always obey local traffic laws when using your cart off-course.
- Customization of a cart must be declared! Make sure your agent knows the value.
- Some carriers do not accept a golf cart that exceeds 20 miles an hour
Let’s Make Sure You’re Covered
At Frank Slaughter Insurance, we can help you find the right protection for your golf cart—whether it’s just for the greens or your everyday ride around the neighborhood. We’ll walk you through your options, answer your questions, and make sure you have the coverage you need, at a price you can afford.
Want a quote or have questions about golf cart insurance? Contact us today and we’ll be happy to help!