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Do I Need Golf Cart Insurance?

A family sits happily in an 8 person golf cart.

Golf carts aren’t just for golfers! With comfy padded seats and room for companions, everyone loves the thrill of exploring the neighborhood on a golf cart. And if you are driving one of these carts outside the boundaries of your property, you may need a Golf Cart Insurance policy to protect yourself on the road.

Top Things to Know About Golf Cart Insurance

  • Where you drive matters. There’s a big difference between owning and operating a golf cart and only driving one for a weekend game of golf. For an individual who occasionally drives a golf cart only on a golf course, any accidents or injuries would correspond to your Homeowner’s Insurance policy.
  • Protect your investment. If your golf cart is ever stolen or damaged, Golf Cart Insurance can provide the full protection you need to repair or replace the vehicle. Many golf carts ring in between $5,000 and $10,000 — but Homeowners Insurance policies typically have a $2,000 per item coverage limit, which would make it impossible to replace your cart without paying the difference.
  • Coverage may be required. In certain communities, a Golf Cart policy may be required by the HOA and/or local municipality. The HOA may also require you to list them as an additional insured on the policy. For carts that operate at higher speeds, most states require them to be registered and insured.

Get a Free Golf Cart Insurance Quote

At Webb Insurance in St. Charles, MO, we will help make sure you have the type of coverage that meets your needs and your budget. Because we are an independent insurance broker, we can compare quotes from a wide selection of top-rated companies and provide you with a range of options.

Remember: Save money by bundling! If anyone other than your family members are riding in your golf cart, such as a neighbor or family friend, you should consider an Umbrella Liability Insurance policy in case an accident ever occurs that could result in a lawsuit. You can also earn a discount for bundling multiple policies with the same insurer.