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Does my home insurance cover golf carts?

tony • November 14, 2019

We occasionally receive questions from customers, who have just recently purchased a golf cart, asking if their home insurance will cover the golf cart.  And the short answer is, not really.  In general, you’d be looking at two different types of coverages for the golf cart.  Liability – meaning the bodily injury or property damage you potentially cause to other people, and physical damage – meaning the repairs to the golf cart should you get into an accident.

While a standard home insurance policy does have a provision that can potentially provide coverage for liability, the physical damage of the golf cart would have to be added to the policy by endorsement.  It’s important to note that not all insurance companies offer this endorsement.  It’s also important to note that the restrictions and conditions of the coverage for both liability and physical damage make the coverage extremely limited. 

What are some of the conditions or restrictions?

For example, no coverage applies if the golf cart is registered for use on public roadways.   Additionally, no coverage applies if it’s not registered for use on public roadways but it should be.  Then there are size restrictions – it cannot be designed to hold no more than 4 people and the max speed cannot exceed 25 miles per hour.  Then there usage restrictions – it can be used only at the golf course or driving to or from the golf course or in restricted communities where there is an HOA.

What do we recommend?

With so many restrictions and conditions on this coverage, we always tell our customers not to rely on the home insurance for coverage but instead purchase the golf cart its own policy.  Not only is the coverage far less restrictive, you’re also not jeopardizing your home insurance policy with a golf cart related incident.

Want to see what insurance rates look like in your area?  Get a quote online at shopitnow.chrinco.com or give me a call at 321-586-3754.  Chrinco.com – insurance simplified.

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