what does golf insurance cover

by Sigurd Bahringer Sr. Published 3 years ago Updated 2 years ago

What does golf insurance cover?

Golf clubs and equipment. Insurance is a great way to protect your expensive golf clubs and equipment. ...
Third party liability. Accidents during a golf game can be nasty. ...
Personal injury. Although golf seems like a civilised sport when compared to the likes of rugby, injuries and accidents are still common. ...
Cover for fees. ...
Hole in one cover. ...
Overseas cover. ...

In general golf insurance will cover you for: Golf equipment – Repairing or replacing damaged or stolen golf gear. Public / Third Party liability – Any damage you cause to someone or someone else's property while you are playing golf. Personal Injury – Any injury you suffer as a result of playing golf.

Full Answer

Is golf cart insurance worth it?

There are plenty of golf insurance policies out there for you to choose from and all offer slightly different options for cover. Check Out Our Best Golf Insurance Companies For More Info on the different plans. Here are some of the items you can expect golf insurance to cover as standard. Equipment Theft, Damage Or Loss. Equipment cover is one of the most likely items you are …

Are golf carts covered under Home Owners Insurance?

Jun 24, 2021 · Golf insurance covers personal injury, equipment and public liability, but think about what protection you might already have before you buy a specialist policy.

Do I need golf insurance?

Golfguard Golf Insurance: Low cost group liability insurance cover for members and golfers. Golf insurance is important with the ever increasing number of golfers and accidents that occur on a daily basis on golf courses across the country. Therefore the company you select to provide your insurance cover while you are playing is very important.

Should you get golf cart insurance?

Our Range of Specialized Coverages Includes: Golf shops and range operators: Target greens, teeing grounds and sand bunkers. Damage to property of others caused by golf balls. Golf personal property of others caused by golf balls (including golf clubs and bags) Specialty landscaping sprinklers and underground wiring. Props, sets and wardrobe.

What is a golfer's insurance?

What is Golf Insurance? Golf insurance is designed to financially protect you against compensation claims should you accidentally injure a member of the public or damage their property whilst out playing a round of golf. Golf insurance will also include protection against damage, loss and theft of your golf equipment.

Is a golfer liable for hitting a house?

The big question is who's liable to pay for those damages: the homeowner, the golf course or neither. It's called “errant golf ball liability” when a stray golf ball hits someone's window or causes other damages unintentionally, WMBF reported.Aug 18, 2020

Are golfers responsible for damage?

There is clear California case law on these points of law. However, if the golfer intentionally or recklessly hits a ball at a home/car, then the golfer may be responsible.

Who is responsible for damage caused by a golf ball?

You may also have a claim against the driver of the errant golf ball. The courts have generally held that the driver of a golf ball is charged with the duty to exercise ordinary care for the safety of property and persons reasonably within the “range of danger.”May 20, 2017

What happens if you break a window while golfing?

A: Living on a golf course means living with golf balls. While the golfer who broke your window should own up and take responsibility, she is not legally responsible for the damage if she was otherwise playing normally.Dec 17, 2020

What happens if a golf ball hits your car?

Most likely, you will need to file a claim on your car insurance policy under comprehensive coverage if your vehicle is damaged at a baseball stadium or golf course. You probably will not know who caused the damage, and the stadium or course will not accept liability.

How do I stop golf balls from hitting my house?

Plexiglass is kind of a do-it-yourself solution some golf course homeowners have decided best for them. With the Plexiglas, you can put sheets over your windows or doors. You can screw the plexiglass to the existing window frame to make it a complete solution that should block a golf ball from entering the home.

Are golfers responsible for errant shots?

Golfers are responsible for their conduct and play, including errant shots that may result in property damage or personal injuries.

Is a golfer liable for hitting a house in Florida?

Golfers or Golf Balls Trespassing on Florida Property

Trespass is one of the oldest civil law claims. In order to claim a trespass, you must have warned the trespasser and asked them to stop, and there cannot be a valid reason for the trespasser's presence.

What are the odds of getting hit by a golf ball?

If you are someone that plays golf every day, your chances are slightly higher; if you live on a golf course, your chances will increase as well. The bottom line is that getting hit with a golf ball completely accidentally is very rare, much lower than 1%.

What is a golf course view worth?

Golf Courses Increase the Value of Nearby Properties

It's worth noting that properties with a great view of the golf course earn a price premium compared to homes without views's prices in the ballpark of 5-12%.Dec 9, 2020

What happens if you hit someone with a golf ball UK?

If a golf ball has hit someone, the personal injury victim may be entitled to compensation. However, it does depend on the circumstances surrounding the case. For example, if the person in question did not check that the area was clear before striking the ball, they may be deemed liable.Mar 23, 2022

Golfguard Golf Insurance: Low cost group liability insurance cover for members and golfers

Golf insurance is important with the ever increasing number of golfers and accidents that occur on a daily basis on golf courses across the country.

Low cost golf insurance is available for individual golfers and for the members and visitors of Golf Clubs and Societies

GOLFGUARD specialises in providing the comprehensive worldwide golf insurance cover for individual golfers with premiums that continue to be highly competitive.

6 Risks for Golf Courses and Country Clubs

We explore Top Risks for Golf Courses and Country Clubs and offer Quick Tips and things to consider to help navigate these risks.

Lightning Safety Outdoors

As many golfers and other outdoors enthusiasts can attest, thunderstorms can often strike with little to no warning, especially during the warmer months of the year.

What does golf insurance cover?

As the name suggests, golf insurance covers you as a golfer as well as your golf equipment if anything happens whilst practicing golf. You’ll get covered for instance: if you are injured on the golf course (you fall into a bunker and twist your ankle for instance) – don’t laugh, it happens!

How long does Platinum cover?

UK cover (+£10 for worldwide cover). Worldwide cover as standard with Platinum plan. Worldwide cover 30 days, 60 days or 90 days depending on the plan chosen included as standard.

1. Your money

Should you injure someone else or damage their property whilst on a golf course, our cover will take care of the cost of defending you in court, as well as any damages payable.

2. Your equipment

Depending on the level of cover selected, our policy protects your clubs, balls, bags and more, up to the value of £7,500, whether the damage occurred on or off the course.

3. You

Personal Accident cover means that should you injure yourself or get killed whilst playing you could claim a lump sum payment up to the limit of cover chosen.

Why do you need Golf Insurance?

Anything can happen on the golf course, from striking someone with a wayward drive, to someone else’s shot hitting you, to damaging your treasured clubs.

Flexibility and FREE Cover

Pay monthly and you'll have the option to stop/start your policy at any point, or pay annually and get 3 months FREE cover.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of Golf Insurance worldwide.

New for Old

If your damaged golf equipment cannot be repaired or it’s been lost or stolen, we’ll replace it without any deductions for wear and tear.

Golf Accidents Happen but Who is to Blame?

Nobody is ever going to argue golf is a ‘high risk’ activity compared to other sports.

What Does Golf Insurance Cover?

Before anyone can make a decision about golf insurance it’s clearly important to know what protection typical golf insurance policies give you.

Is Golf Insurance Worth it?

As I said at the outset I have a natural tendency now to be suspiscious of insurance and when anyone mentions I need need yet another insurance policy I am increasingly so.

Golf Cart Insurance is a Different Story

One final thing it’s important to be clear on when it comes to the subject of insurance in golf is that golf cart insurance is different.

Does home insurance cover personal contents?

Most home insurance policies cover personal contents for actual cash value. Therefore, any reimbursement you’d get from an insurance company would be minus depreciation. In other words, you’re not getting a check from the insurance company to go buy brand new clubs.

How long does credit card purchase protection last?

Many credit card companies offer purchase protection for lost or stolen items. The purchase protection typically lasts a short amount of time, around 90 days or so, but it’s worth knowing as it’s an unadvertised benefit.

What is golf cart insurance?

KEY TAKEAWAYS. 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.

Do you have to have liability insurance on a golf cart?

Not every policy will let you add the golf cart as a rider to your homeowner's insurance policy. Sometimes, you'll have to get it separately. Think about Florida and Arizona, where the weather is warm where and riding around in a golf cart, even on public roads, is almost a way of life. In fact, in Arizona, if you drive a golf cart on the road, you are required to have liability insurance on your golf cart.

Can you drive a cart on public roads?

If you won't be driving the cart on public roads, it's still a good idea to get some insurance coverage for an off-road vehicle. And whatever you do, don't drive an uninsured cart on a public road without insurance, especially if the state you're in requires it.

Does auto insurance cover golf carts?

You may also need to pay your deductible, which is your share of a covered claim. Auto and Home Insurance May Not Cover Golf Carts. Some people mistakenly assume that their existing insurance will help cover a golf cart.

What is property damage liability?

Property damage liability. If you are found legally responsible for an accident where your golf cart damaged another person's property — their car or house, for instance — this coverage may help you pay to repair the damage. Bodily injury liability. If you cause an accident with your golf cart that hurts another person, ...