People are increasingly using a golf cart for more than just golf. Many homeowners use them around their properties or even to travel to neighboring properties. For example, a couple may own a vacation home in a gated community located in a rural waterfront area. They have a golf cart that they use on the roads within the community to shuttle between their neighbors’ homes. The cart may suffer damage in some way or even be destroyed in a collision or fire. Also, it may injure another person or damage someone’s property; for example, it could roll over a person’s foot if the user has not parked it correctly. If something like this occurs, the golf cart owner needs to have proper and adequate insurance.

You will enjoy your time cruising in your community when you are not worried about the safety of yourself, your passengers, or your investment. Here are several factors to consider:

There are several questions that you should be prepared to ask your insurance agent. These questions include: