Golf carts, once used exclusively on the golf course, are seen frequently on streets in neighborhoods and at beach resorts. These carts are being used as transportation in lieu of cars. Like cars, the owner of a golf cart should have liability coverage to protect against an accident involving your golf cart. So how does one purchase liability coverage for a golf cart?
You might wonder if your homeowners policy provides liability coverage for your golf cart. Maybe, or maybe not. Homeowners policies vary in how they insure golf carts so be sure to read your policy, under the Liability section. Generally, however, the homeowners policy defines a golf cart as one that goes no more than 25 MPH and is designed to carry up to four persons. The policy provides coverage only if the golf cart is being used for golfing or going to and from the golf course and if used in the private residential community where you live.
The best way to be fully insured for liability coverage is to purchase a golf cart policy that is written under a motorcycle or personal auto policy form. Many insurance companies now offer this coverage and the policy is rather inexpensive, about $100 annually.