how to get golf cart insurance

How to Get Golf Cart Insurance Talk to your insurer to add golf cart insurance to your homeowners policy. Your insurance representative will probably ask for basic details about your golf cart, including its: Year Make Model Serial number You may also need to furnish a description of where you drive it most often. Return to Glossary

Full Answer

Does My Home Insurance Cover my golf cart?

Whether or not your golf cart is insured depends on the type of homeowners policy you have. Many homeowners insurance companies will either cover it automatically or offer it as an add-on to the plan. These policies tend to be relatively inexpensive when compared to other types of insurance.

Is your golf cart an uninsured motor vehicle?

Uninsured motorist coverage pays for damages to the golf cart are committed by someone who is uninsured. Collision and comprehensive coverage pay for the repair or replacement of the cart in the event it is involved in a vehicle accident or another event.

Do you really need golf cart insurance?

Yes. You absolutely need to have golf cart insurance. Here's why... In order to understand the basics of insurance coverage for golf carts, it is important first to understand the basics of automobile insurance coverages in Florida.

Is my golf cart insured under my homeowners policy?

Usually, no. This is important, because some people think their homeowners’ policy or car insurance covers their golf cart, but it doesn’t. To be sure, please check with your insurance agent. It all depends on where you live, who your insurance carrier is and for what purpose you are using the golf cart.

What is golf cart insurance called?

Comprehensive. 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.

How much does it cost to insure a street legal golf cart in Florida?

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.

Do you need golf cart insurance 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.

Who insures golf carts in NJ?

Safeco insures nearly all makes and models of golf carts. We also cover all-terrain vehicles (ATVs) with four or six wheels, a wide variety of utility task vehicles (UTV), side-by-sides, dirt bikes, snowmobiles, and other select off-road vehicles.

Do you need insurance on a golf cart?

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.

Do golf carts have to be registered Florida?

You do not have to title or register a golf cart with the state, either. When driving a golf cart in Florida, you still have to abide by the rules of the road, such as yielding the right of way. Florida draws a distinction between golf carts and low-speed vehicles (LSV).

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 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.

How much does it cost to register a golf cart in Arizona?

$25 initial application fee/ $25 annual renewal.

Do you need insurance on a golf cart NJ?

LSVs must be NJ DMV/DOT approved and have current insurance, registration, safety equipment, and license to be driven. Similarly, they must pass state inspection each year like regular cars. No license is needed to operate a regular golf cart on a golf course.

Can you drive a golf cart on the road in NJ?

Licensed drivers can take them on roads with speed limits not exceeding 25 mph or 35 mph if a municipality deems that appropriate, according to the New Jersey Motor Vehicle Commission. The guidelines state that low-speed vehicles “must be titled, registered and insured in New Jersey.

Do you need a license to drive a golf cart in Utah?

No State Law is Currently in Place. Is License and Registration a Requirement? For Golf Carts, No (but you may be required to purchase a permit).

Do golf carts need insurance in Florida?

What are Florida's golf cart insurance requirements? 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.

What makes a golf cart street legal in Florida?

A golf cart must be equipped with efficient brakes, reliable steering apparatus, safe tires, a rearview mirror, and red reflectorized warning devices in both the front and rear. A golf cart may not be operated on public roads or streets by any person under the age of 14.

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.

What is a LSV golf cart?

A Low-Speed Vehicle (LSV) is a street-legal, four-wheeled electric vehicle with a top speed of 25 mph and a gross vehicle weight rating of less than 3,000 lb. Most states allow LSVs to drive on roads marked 35 mph or less. Low-speed vehicles are typically electric, with a range of about 30 miles.

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Golf Cart Accidents and Insurance Coverage

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Why are golf carts so popular?

Golf carts and low speed vehicles (LSVs) are growing in popularity because they are convenient, relatively easy to operate, and versatile.

What does insurance cover when you are responsible for an accident?

If you're responsible for an accident, this coverage helps pay for repairs to someone else's vehicle or personal property you damaged.

What is included in the Roadside Assistance package?

Roadside Assistance package includes towing to a qualified facility or location within 15 miles, delivery of fuel or fluid (costs of these items not included), and changing of flat tires only with Safeco’s insured’s inflated spare. May vary by state.

Does golf cart insurance cover spouse?

This covers medical expenses for a passenger injured while riding with you in your golf cart. This does not include your spouse, who is already protected under your medical coverage.

Does homeowners insurance cover golf carts?

Your homeowners policy may give you some coverage for use of a golf cart, but it's very limited and there are many common situations that could leave you without protection. For example, many homeowners policies won' t cover you when you drive to a neighbor's house, which is a typical use for these types of vehicles.

Can you get stranded in a golf cart accident?

But with Roadside Assistance, you won’t get stranded in the event of a breakdown, flat, or any other covered incident that requires emergency assistance or a tow.

What happens if you get injured while riding a golf cart?

If passengers are injured while riding in your golf cart, guest passenger liability will pay for their injuries up to the limits of your policy.

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.

How much does bundle save on auto?

Bundle Save an average of 4% on auto! Δ Disclosure

Does Progressive cover golf carts?

Whether you use your golf cart from green to green or just around your gated community or condo complex, customized coverages from Progressive specialty golf cart insurance will protect you and your vehicle. We can cover you for virtually any non-commercial purpose and location.

Do you need insurance for a golf cart?

Insurance requirements for golf carts will vary by state, but it’s worth having a golf cart insurance policy even in states that don’t mandate one—especially if you plan to drive your golf cart around your neighborhood. Your homeowners insurance may not cover you away from the fairways, but golf cart insurance does.

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.

Does Progressive offer discount on golf cart insurance?

Bundle and save! We’ll add a discount to your golf cart policy if you already have auto, home, renters, boat, or RV insurance with Progressive.

Part 1: Different Types of Golf Cart Coverage

Golf cart insurance coverage is very similar to motorcycle, ATV, and motorized scooter insurance. There are different options available to choose from depending on your need.

Part 2: Costs of Golf Cart Insurance

The cost of golf cart insurance varies depending on where you plan on driving it, what state you live in, and if you are going to use it on public roads. There is a long list of considerations, such as how fast of speed the model of golf cart you own can reach, if it has a speed inhibitor, and if its purpose is for off-road only.

Part 3: How to Find Cheap Golf Cart Insurance

If you are thinking about purchasing a golf cart, you will want to look at the total cost of owning it, which includes the cost of insurance. The best way to find cheap golf cart insurance is to shop around and compare rates. You can start by contacting your current automobile or home insurance company and see if they offer coverage.

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 does a golf cart endorsement do?

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.

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.

Does insurance for golf carts vary?

Your coverage needs are unique, so you’ll likely pay a different rate than other golf cart drivers. Different factors can also impact your golf cart insurance cost. For example, if you choose a lower deductible and a higher coverage limit, your policy may be more expensive than if you choose a lower amount.

Does Hartford insurance cover golf carts?

If you insure your golf cart with an endorsement on your homeowners insurance policy, you may not have coverage for an accident off the course. With golf cart insurance from The Hartford, the following coverages can help protect you if you’re in an accident:**

Is AARP an insurer?

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

What is other than collision insurance?

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.

What can medical payments help cover?

Medical payments can help cover medical costs for you and your passengers.

What is guest passenger liability?

Guest passenger liability. A common coverage option on motorcycle policies, guest passenger liability insurance works the same way for golf carts. If a passenger is injured in an accident, this coverage provides a specific limit for their claims.

What does bodily injury liability cover?

Our bodily injury liability automatically includes coverage for guest passengers.

Do golf carts need insurance?

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.

Do you have to have liability coverage for a golf cart?

In some places, golf carts can be driven on the same roads as cars. And in certain states, you’re required to have liability coverage for your golf cart.

Does golf cart insurance cover flat tire?

Our golf cart insurance comes with roadside ̶ and course-side ̶ assistance. An optional coverage, Roadside Assistance provides help with a flat tire, a jump or a tow.

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 ...

What happens if you don't have insurance on a cart?

As the old saying goes, “It’s better to have it and not need it than need it and not have it.” Without insurance coverage, you are liable if your cart causes damage to property or personal injury to another while on the road.

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.

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.

Do golf carts have seat belts?

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. Medical insurance prevents out of pocket costs from rising into thousands of dollars for medical bills.

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 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 insurance for a golf 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.

Can you add golf cart insurance to motorcycle insurance?

By process of elimination, that means the other states allow you to attach your golf cart insurance to a motorcycle insurance policy.