Golf carts are not only popular on golf courses but are also common for personal use as a way to travel around neighborhoods and subdivisions. Many homeowners assume that their golf carts are covered under their homeowners insurance policies. However, this is not always the case.

Some home insurance carriers have the option to add a golf cart endorsement to a policy, but these endorsements only offer very limited liability coverage. Often a stand-alone golf cart policy is the best way to help protect you and your golf cart. These policies can include liability as well as comprehensive and collision coverage.

Why a Golf Cart Policy is Important

While golf carts can be fun and relatively easy to use, accidents happen and can result in a claim. Examples of golf cart claims include:

• Running over a neighbor’s foot
• A passenger jumps out after stopping but still injures themselves
• Passenger falls out on a turn
• You strike another vehicle
• A vehicle strikes you
• You hit a bump and someone falls out

Your Trusted Advisors

Brown & Brown understands that your personal insurance needs are unique and deserve a personalized solution built just for you. If you think that a golf cart policy is right for you, contact one of our seasoned personal insurance advisors today.