If you're a homeowner and have a golf cart, it's important to understand the insurance coverage you need to protect yourself, others, and this vehicle. This is particularly crucial if you plan to drive your golf cart off your property or on public roads.
In general, your homeowners insurance covers the vehicle under the following conditions:
- when it is parked on your property: For example, if it is stolen from your property, it's covered under your homeowners policy.
-when it is driven on your property: If it's being driven on your property and used to service your home and there is injury/damage to the cart and its occupants, this policy covers this.
If you're planning to drive your golf cart in the neighborhood, it generally depends on the "type" of neighborhood as to whether it's covered by your homeowners insurance. If you live in a designated golf community, your homeowners insurance may extend to your cart but consult with your insurance agent to ensure your policy includes this. If it is not a designated golf community, this policy most likely doesn't cover your golf cart.
So, it's critical to have a separate golf cart policy if you plan to drive it off property that includes at least liability coverage. This covers you if there is an accident while driving and causes property damage or bodily injury to another person.
In addition to liability coverage, you should also consider getting comprehensive and collision coverage. Comprehensive coverage will protect your golf cart against non-collision events such as theft, vandalism, or damage caused by natural disasters. Collision coverage will cover repairs or replacement if your golf cart is damaged in a collision.
If you plan to rent a golf cart somewhere else, the rental company may offer insurance, but it's crucial to understand what's covered and what's not. You should also check with your own insurance provider to see if your policy covers golf cart rentals.
The bottom line is adequately covering your golf cart can quickly become complicated due to the variety of factors surrounding their operation. Make sure you work with your local insurance agent who can guide you on the requirements for your geographic area and personal circumstances.