Golf Cart Insurance: How To Get One?

Imagine what would happen if you happen to realize your golf cart was wrecked by a careless driver at the golf club.

You’ll feel bad, right? Of course, you will.

But, what if I told you there’s something that would make you happy? It’s the golf cart insurance.

It is pertinent to note that the type of golf cart insurance you get for your golf cart depends on what you use it for. Remember there are several people and communities who use their golf carts off the golf course. These factors determine the cost of your insurance.

Let’s find out how you can get your golf cart insured.

First and foremost, if you have a golf cart without any modifications, and it is driven on the golf course or on your property at home (with your lawn mower attached), you will need a homeowner’s insurance with a golf cart endorsement. Speeds of the golf cart must not exceed 15 miles per hour to fall under this category.

If in any way your golf cart is modified and is used anywhere, there is an increased likelihood of you being issued an auto insurance for golf carts for low-speed vehicles and an umbrella insurance. Golf carts with speeds reaching 30 miles per hour or more are often put in this category.

So, how much would it cost to get your golf cart insurance?

As I mentioned earlier, what you use your golf cart for determines the cost of the insurance you’d get for it.

  1. It could cost about $50 a year if you add the golf cart endorsement to your homeowner’s insurance. It is imperative to understand that if an accident occurs and your golf cart is damaged your property or on the golf course, the homeowner’s insurance won’t cover it.
  2. It could cost about $12 per month of you drive it to and from the golf club. This is obtainable if you opt for a standalone golf cart policy.
  3. It could cost between $400 to $1000 if you have a modified golf cart.

To get a golf cart insurance, simply head over to the nearest insurance company or visit their website and request for a quote. Select the appropriate conditions of use and endeavor to answer all questions correctly and accurately, and the insurance company will handle the rest. If need be, they will contact you for other inquiries.

More so, you should make inquiries about bundled golf cart insurance packages and discounts when you speak with a golf cart insurance agent.

Please note that if your kid drives your golf cart and wrecks it in the process, you’d be liable to pay for the damages incurred.

Get your golf cart insured and save yourself a whole lot of money and stress in the event of a mishap. Don’t allow anyone else handle your golf cart without your supervision.