If you own a golf cart, it’s a good idea to have insurance for it. In fact, some states and homeowners’ associations require it. The type of coverage you need depends on how and where you use your golf cart. In this article, we will discuss the best type of insurance for your golf cart based on your needs.
Personal Property Protection
If you only use your golf cart on your own property, then it is considered to be your personal property on your homeowner’s or renter’s policy and is covered in the event of a loss such as theft or fire. Keep in mind, though, this coverage is available only when it is used to service your residence premises. If you decide to take the golf cart off of your property, you will need to talk to your agent about how to best provide coverage.
Another aspect that you should keep in mind is that allowing an unlicensed driver (such as your child) to drive your golf cart could provide gaps of coverage on your policy.
Liability Protection
Liability coverage for your golf cart is also available through your homeowner’s or renter’s policy—regardless of where you are using the cart.
Many private and retirement communities allow their residents to get around using golf carts, but this type of usage requires a bit more coverage. If you regularly use your golf cart on residential streets, you’ll want a golf cart policy. A golf cart policy is similar to an auto insurance policy, but it is less expensive.
Golf Cart Insurance Policy
A golf cart policy provides you with collision insurance, property damage liability, and bodily injury liability. You can also opt for comprehensive coverage, which can help you recover damages if your golf cart is stolen, damaged in a fire, or other instances that may not be covered by your homeowner’s insurance.
If you’re looking for golf cart coverage or have questions regarding what kind of coverage you need, please contact your Yetter Insurance agent by calling (570) 296-8329, or visit http://yetterins.com/.
Do you need golf cart insurance? Your homeowners or auto insurance policies may not provide the coverage you need. With so many golf courses and gated communities nearby, golf cart ownership is common in Pike, Wayne, and Orange counties. Yetter Insurance Agency in Milford, PA offers specialty golf cart insurance policies through top-rated carriers like Progressive and Foremost. Call Yetter Insurance today to see how golf cart insurance can help protect you and your ride.
