Life’s Extras · Golf cart
Golf cart insurance, explained.
Very Florida. Very insurable.
What it covers
A golf cart is a vehicle, and once it leaves your property your home policy may not follow it. Where that line falls depends on the policy. A golf cart policy picks up from there, and if the cart is street-legal the questions look more like auto insurance than home.
Liability
Injuries or property damage you cause while driving the cart, on a course, in the neighbourhood or on the road where it is allowed.
Physical damage
Repair or replacement of the cart after a collision, theft, fire or storm.
Medical payments
Medical bills for you and your passengers after an accident.
Custom parts and accessories
Lift kits, wheels, sound systems and enclosures, which stock coverage may not include.
One good first question
“Does my cart ever leave the property, and if it does, does anything I already have follow it?”
Bring this one to Elona and the rest of the conversation gets easier.
What Elona looks at
- Whether the cart is a standard golf cart or a low-speed vehicle registered for the road. The two are treated differently, and the policy needs to match [confirm Florida and Illinois rules for low-speed vehicles — Elona to confirm wording].
- Where and how it is used: course only, community streets, or public roads.
- Whether a homeowners policy already covers it on your own property, and where that coverage ends.
- Who drives it, including younger drivers in the household.
Sixty-second answers
Often quoted together
Talk to Elona
Ask Elona about golf cart insurance.
A real person answers. Tell her what you have and what you are worried about, and she will tell you what fits.