Full Answer
What insurance do you need for a golf cart?
- Golf cart insurance is an insurance policy that covers damage to your golf cart and damage that your golf cart causes.
- Buying golf cart insurance depends on where you ride and how you use your golf cart.
- It covers bodily damage liability, property damage liability, collision and comprehensive damage to your cart.
Is my golf cart covered under my homeowners policy?
Some golf carts are eligible for coverage under a homeowners insurance policy, as long as you stay on your property. Others are eligible for some coverage as part of an auto insurance policy. However, the best way to protect your golf cart is with an insurance policy than can be specially tailored for it.
Is my golf cart covered by homeowners insurance?
It all depends on where you live, who your insurance carrier is and for what purpose you are using the golf cart. For example, if you use the golf cart to service your residence, then it might be covered by your homeowners’ policy.
Does homeowners insurance cover golf carts?
Some people mistakenly assume that their existing insurance will help cover a golf cart. Check with your agent to be sure, but most standard homeowners policies provide little coverage for golf carts — especially once you leave the borders of your property. Likewise, a standard car insurance policy typically will not cover a golf cart accident.
What is the best way to insure a golf cart?
If you plan to drive your golf cart on public roads, you're better off getting golf cart insurance through an auto insurance company or a speciality policy, like an “off-road vehicle” policy.
What is golf cart insurance called?
Also known as “other than collision,” this coverage can help pay for damage to your golf cart from vandalism, theft, weather events and falling objects. Helps protect you and your golf cart from uninsured drivers and hit-and-run accidents.
How much does it cost to insure a golf cart in FL?
If your golf cart is not registered with the FL DMV, you should be able to cover your Golf Cart with a simple endorsement to your home insurance or a stand-alone Golf Cart insurance policy. The cost of both options is relatively small (usually between $70-$150 per year), but I'd strongly suggest the stand-alone policy.
Is it worth it to buy your own golf cart?
All around, a golf cart is just super affordable and can be very easy on your wallet! Fuel Savings: You will save a tremendous amount of money on gas when you own a golf cart. Since most golf carts are powered solely by electricity, you will have no need to buy fuel to use them at all.
Do golf carts have titles?
The bottom line is that standard golf carts do not have titles. But, if they are modified to become an LSV then you must obtain a certificate of title.
Do golf buggies need insurance?
Most clubs require you to have Public Liability when using a Golf Buggy. All Golf Care insurance policies come with Public Liability when using a buggy. If you want to protect your buggy for theft, loss or damage you should add Golf Buggy Insurance to your policy.
Is golf cart insurance required in Florida?
Florida doesn't require insurance for golf carts. But low-speed vehicles, or LSVs, are a separate category from golf carts in Florida and are required to have minimum liability coverage.
Do golf carts need license plates in Florida?
Golf carts are not required to be titled or registered and, therefore, are not required to be insured with PIP and PDL insurance coverage.
How much is golf cart insurance in the villages?
Golf car insurance is relatively inexpensive compared to the cost of being liable for injuries to another person. Generally starting around $80, premiums may vary depending on the coverage you choose to carry and the age and model of your golf car.
Do golf carts hold their value?
Golf cart everywhere A product that is accepted by the majority in a market will hold its value because there will always be someone interested in buying what you have. The golf cart has universal application as it can be used by both old and young, rich and poor.
Are electric golf carts better than gas?
Both gas and electric carts have their purposes. If you want to drive long distances, or use the cart where you wont have access to electricity, a gas cart may be a better option. Electric carts are great for their lower cost, quiet, fast ride, and less maintenance.
Which brand of golf cart is best?
Here are the top best 5 golf cart brands to choose from.Club Car. If you're looking for a classic ride, look no further than the Club Car. ... E-Z-Go. If safety is your first priority, then the E-Z-Go brand is perfect for you. ... Yamaha. Chances are, you're very familiar with the Yamaha brand. ... Polaris. ... Garia.
Is golf cart insurance required in Florida?
Florida doesn't require insurance for golf carts. But low-speed vehicles, or LSVs, are a separate category from golf carts in Florida and are required to have minimum liability coverage.
Do golf carts have VIN numbers?
When scheduling service or ordering parts for your golf cart it is very important to know and locate the serial number (VIN). Each cart has its own unique serial number just like a car and by knowing what this number is you are able to determine what type, year, and power supply your cart has.
Do golf carts need license plates in Arizona?
The Arizona MVD requires golf cart owners to register their vehicles and obtain a license plate to display on the golf cart. Golf carts must have working headlights, brake lights and a horn. Golf carts are exempt from the Arizona requirement that all motor vehicles must have a windshield.
Do you have to register golf carts in Florida?
Golf carts are not required to be titled or registered and, therefore, are not required to be insured with PIP and PDL insurance coverage. Golf cart operators are not required to have a driver license; however, to operate a golf cart on designated public roadways, a person must be 14 years or older.
How much is golf cart insurance?
The most basic golf cart insurance costs as little as $75 per year{{asterisk}} with Progressive. Rates can vary based on your age, driving history,...
Is golf cart insurance required?
Golf cart insurance rules vary state by state. While golf cart insurance may not be a legal requirement in your state, it may be worth considering...
How much does golf cart insurance cost?
Basic liability insurance is available from $75 per year* with Progressive. Note that the exact golf cart liability insurance cost may vary based o...
How can I save money on my golf cart insurance cost?
You may be able to lower the average cost of your golf cart insurance by following some additional steps:
What states require golf cart insurance?
These would be Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Maryland, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, South Dakota, Texas, Utah, Virginia, Washington and the District of Columbia.
Do you need special insurance for a cart?
You don’t need a special insurance policy for that, but a quick call to your insurance company could clear up that question quickly. On the other hand, you might have a cart that’s intended use is for your residential community, which would usually be a gated homeowner’s association. If this is the case, your insurance agent will want to know ...
How do I insure a golf cart?
Quick Answer List: Should I insure my golf cart? 1 Home or auto insurance may cover a standard cart not licensed for use on a public road. 2 If the cart has modified speed, a separate mini auto or golf cart policy may be required. 3 Golf cart coverage is required in some states. 4 Even if you only use your cart at a club, home or auto coverage may not be sufficient for every hazard you face.
Do you need a specialty policy for a golf cart?
If you have a golf cart model with a speed modification, or one that you have licensed for use on a public road—such as driving around a neighborhood—then you may need a specialty policy for low speed vehicles. In fact, your state may require your cart to be insured like a traditional auto, not to mention any community clubs or homeowner ...
Does home insurance cover a golf cart?
Home or auto insurance may cover a standard cart not licensed for use on a public road. If the cart has modified speed, a separate mini auto or golf cart policy may be required. Golf cart coverage is required in some states.
What does comprehensive cover on a golf cart?
Additionally, comprehensive covers damage from a fire, hitting an animal, an act of nature or glass breakage.
What is an uninsured motorist?
Uninsured/underinsured motorist bodily injury and property damage. Covers you and any passengers while riding in your golf cart if you’re injured by another driver with no insurance or not enough insurance. You’re also covered if an uninsured or underinsured driver damages your golf cart.
Does golf cart insurance cover property damage?
Bodily injury and property damage liability. Although not required in every state, golf cart liability insurance can protect you if you’re liable because you injured someone or damaged their property while riding your golf cart. Your court costs and legal fees are also covered up to your policy’s limits.
Why is it important to have insurance for a golf cart?
Having golf cart insurance is important, because it helps protect you from these kinds of risks. How you use your golf cart affects how much coverage you need. Depending on how you use it, consider these coverages for your golf cart insurance.
What factors affect golf cart insurance?
Other factors that can impact your golf cart insurance cost are your: Vehicle’s size. Driving history.
What is a basic golf cart?
Basic golf cart: Helps protect your golf cart if you only drive it on a course. You can add this endorsement to your homeowners insurance policy. ATV golf cart: Using a modified golf cart at the golf course or off road requires more coverage.
Do you need liability insurance for a golf cart in Arizona?
For example, Arizona drivers need to carry liability insurance if they drive their golf cart on the road. Depending on where you live, your state may have different insurance requirements. These laws vary by state, so it’s a good idea to make sure you get the right coverage.
What is golf cart insurance?
Golf cart insurance provides coverage that enables a cart owner to use the cart to leisurely drive around town and while on their property without worrying about having to pay for damages and medical bills resulting from an accident. Golf cart coverage can also offer compensation if the cart is stolen, vandalized or damaged by severe weather ...
How many injuries do golf carts cause?
This type of coverage is essential because golf carts are responsible for well over ten thousand injuries a year. It is becoming increasingly popular to use golf carts off the golf course, which means that there is always the possibility of hitting another golf cart or a pedestrian.
What factors affect the cost of a cart?
The size, type, and model of the cart can impact costs, especially when purchasing comprehensive coverage. Location is yet another factor as insurance companies are aware of areas where accidents are commonplace and charge higher fees for those living in these areas.
What factors affect insurance rates?
It will vary depending on use, travel, miles, drivers’ age (condition) and location. As mentioned above, there is a multitude of factors that will affect costs. Age and experience are essential, as most insurance companies offer lower prices for older experienced drivers than young, inexperienced ones.
Can a golf cart travel fast?
Golf carts don’t travel as fast as vehicles. However, they are also not usually equipped with seat belts, thus increasing the possibility of injury. Rollover accidents are particularly common and can cause severe damages to those traveling in the cart with you.
Is collision insurance the same as liability?
Collision. Collision coverage is not the same as liability. Liability only pays for damage to another vehicle or person. Collision, on the other hand, pays for damage to your cart. You may not need this form of coverage if you are using your golf cart on a golf course. Resorts or gated communities may carry insurance coverage.
Is golf cart insurance the same as car insurance?
In short, golf cart insurance is almost the same as vehicle insurance except that it covers your cart rather than a car, motorcycle or van. See our ad in the latest issue of Golf Carting Magazine™.
What is Golf Cart Insurance?
Golf cart insurance works similarly to car insurance: it covers your liability (say, if you hit other people or property ). It also covers the value of your golf cart (if stolen, vandalized, or damaged in a collision ).
Do I Need Golf Cart Insurance?
Some homeowner associations (HOAs) require all residents’ golf carts to have insurance. If you live in a golf community, for example, then you may need to purchase specific golf cart insurance. Some HOAs also require you to name the HOA as an additional insured.
How Homeowners Insurance Covers Golf Carts
Many homeowners insurance policies cover golf carts. If you have homeowners insurance, then you may not need to buy an additional golf cart insurance policy: you may already be covered.
When Do I Need Special Golf Cart Insurance?
If your homeowners insurance doesn’t cover golf carts, then you may need to buy special golf cart insurance.
How Much Does Golf Cart Insurance Cost?
Golf cart insurance tends to be cheap. Golf cart incidents are rare, and insurers rarely have to pay for golf cart-related claims.
Golf Cart Insurance Exclusions
If you have golf cart insurance, then your golf cart should be covered. However, insurers can deny golf cart insurance claims for certain reasons, including:
Final Word
Yes, there is special golf cart insurance. You may need special golf cart insurance if required by your state, city, or HOA.
What is golf cart insurance?
Golf cart insurance has many similar coverage types to a typical car insurance policy. For example, you can buy coverage to help pay for injuries, damage to someone else’s property or repairs to your golf cart if it gets cracked up in an accident.
What does a golf cart insurance policy cover?
Golf cart insurers often sell an optional coverage type similar to car insurance called uninsured motorist coverage. This pays for medical bills and other expenses (like lost wages) if you get into an accident with a driver who doesn’t carry insurance.
What insurance do you need for a golf cart accident?
Bodily injury liability insurance. If you cause an accident in your golf cart and someone gets hurt, this pays for their medical bills. It also pays for your legal defense in case you’re sued because of an accident. Collision insurance. If your golf cart is damaged in an accident, this pays for repair.
How fast can you drive a golf cart in South Carolina?
You can only drive your golf cart within four miles of your home or business for roads with a posted speed limit of 35 mph or less . To obtain a permit, you will need:
How fast is a golf cart?
But the biggest difference is top speed. A “conventional” golf cart has a top speed of less than 20 mph, while an LSV can typically reach speeds between 20 to 25 mph. An LSV as defined by the National Highway Transportation Safety Administration has: Four wheels. Gross vehicle weight rating is less than 2,500 pounds.
How many people can a golf cart carry in California?
California. Your golf cart is exempt from state registration if it carries no more than two people (including the driver), weighs less than 1,300 pounds and does not exceed more than 15 mph. If your golf cart exceeds these limits, you may have to register and insure your golf cart, depending on where you live.
Do you need a license to drive a golf cart in Texas?
If your golf cart operates at speeds of 25 mph or less, you will need a slow-moving vehicle emblem to drive on public roads. You will need a valid driver’s license to drive on public roads. Some cities and towns may require liability insurance that meets the minimum amount of car insurance in Texas.
