Golf Cart Insurance

Golf carts are becoming increasingly popular as recreational vehicles for home use. While golf carts might appear less expensive and dangerous than automobiles and motorcycles, they too are prone to damage, loss, and liability. Golf cart insurance is the only way to protect your investment and your future.

Why Do I Need Golf Cart Insurance?

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

  • If you’re in an accident or your golf cart is stolen, it can be very expensive to repair or replace it.
  • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • If your golf cart is responsible for damage or injury to others, you may be sued for more than you’re worth.
  • Your golf cart is likely one of your prized possessions and it deserves special protection.

Questions for Your Agent

  • How much can I afford to pay if my golf cart is in an accident, damaged, or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
  • What discounts and programs are available?
  • How much medical and liability coverage should I have?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What is the process for filing and settling a claim?

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