When you hop onto your golf cart for a round of golf or to scoot around your gated community, first check that you have the correct golf cart insurance. As second nature as it is to use your golf cart for recreational purposes, there are still inherent risks involved. All golf cart insurance agents agree that being covered by a good golf cart insurance policy gives you invaluable peace of mind.
Do You Need Insurance on A Golf Cart?
Because each state has its own insurance requirements for golf carts, it may not be top of your mind to insure yours. The State of North Carolina requires that all owners must have golf cart liability insurance.
This compulsory coverage encompasses:
Just as with car insurance, golf cart insurance policies are in place to protect you against costs you may not otherwise be able to afford if you are involved in a golf cart accident.
Optional coverage for direct and accidental loss to your golf cart includes:
Does Car Insurance Cover Golf Cart Accidents?
Do not mistakenly surmise that your homeowner or automobile policy automatically extends to golf cart insurance coverage. Specifically adding your golf cart to your regular homeowner’s insurance policy may provide limited coverage when it is being used on your property. However, that coverage falls away as soon as you leave the boundaries of your property. Be aware of the risks and protect yourself and your investment with a golf cart insurance policy.
What About Vacation Rental Golf Cart Insurance?
Just as with a motor vehicle, you can be liable for injuries or damages resulting from an accident involving a golf cart you own or rent. Similarly, if your rental accommodation includes the use of a golf cart, take action to safeguard yourself by confirming the terms of the golf cart rental insurance.
How Much Is Golf Cart Insurance?
Because each case is unique, it is best to discuss your circumstances and needs with your insurance agent. If you would like more information on staying on course with appropriate golf cart insurance, get in touch with Tom Needham Insurance Agency today.
Call us now at 336-855-1223 or contact us for a professional liability insurance quote online and one of our agents will be in touch with you shortly.
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