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Golf Carts and Insurance Coverage

| Golf Carts, On the Street | October 18, 2011

With the increase in popularity of custom golf carts many golf cart owners are concerned their ride be being adequately protected by insurance in the event of damage or injury.

As explained in the featured video, many home insurance policies will cover damage to your golf cart or liability for damage caused by your cart. But usually only when used on your own property or when your cart is used on the golf course. If you live in a special gated community that allows the use of golf carts on its roads, then many policies will cover your cart.

However, when using a street legal golf cart on public roads a home insurance policy will not cover your cart, and separate policy will be required. Indeed, many cities and local municipalities that allow street legal golf carts on their roads will require the cart to be registered and fully insured before a license plate is issued.

With some high-end custom golf carts costing tens of thousands of dollars it may be worth checking to make sure that your home insurance policy will cover the full replacement costs of your cart. Along with increased popularity of custom golf carts, there's always the increase in thefts and accidents which can end up costing you thousands of dollars in repairs and compensation.

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One Response to “Golf Carts and Insurance Coverage”

  1. Bill Cartling on November 10, 2011 @ 2:01 pm

    It concerns me with all of these street legal golf carts flying around, hoping that they have coverage in case they crash into me.