Perfect golfing weather may cause you to temporarily forget about your golf cart insurance. But before you grab the irons and head for the links, check to make sure your golf cart is fully covered. Depending on how you use your golf cart and what type it is will be the deciding factors for the kind of insurance you need. Homeowner’s may be all you need, but you may need more.
Which type of golf cart do you own?
A basic cart is similar to using a riding mower
A cart that is speed-modified goes up to 25 mph on neighborhood streets
An all-terrain vehicle (ATV) can be used on neighborhood and city streets
How you use your golf cart affects your insurance needs.
Do you drive only on a golf course or on your own property?
Do you do some street driving and use seat belts?
Do you use it for regular use on streets as well as golf course?
If your golf cart is listed on your homeowner’s policy, be aware it is covered for ‘theft only on premise’. There is limited coverage for off premise.
Motorcycle insurance is what you need to cover your golf cart if it is an all-terrain vehicle (ATV). This covers liability, guest liability, comprehensive and collision.
Save money on your golf cart insurance by bundling – getting all of your insurance with one company. If you own your own home, you might get a homeowner’s discount. And remember that taking a safety course can often result in a policy discount. Also, if you take a higher deductible on your policy you will pay less for your golf cart insurance.
In some golfing communities, the Home Owner’s Association requires golf cart owners purchase specific golf cart insurance and name the HOA as an additional insured. If live in a community with an HOA you will want to find out what they require.