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View Full Version : OT (sort of)- Golf Cart Insurance??


loveDmouse
05-26-2008, 06:43 PM
Do any of you guys carry insurance on your carts? I have started looking into this after noticing some campgrounds requiring proof of liability insurance if you take your own cart. Some even charge you a daily fee to bring your cart which I think is nuts.
Anyway, just curious if any of you guys have your carts insured. I checked with Progressive and it seems pretty reasonable plus it covers your trailer.

Thanks guys! Hope everyone has had a happy and safe Memorial weekend.

bigdisneydaddy
05-26-2008, 06:47 PM
I was wondering the same ?

2goofycampers
05-26-2008, 06:50 PM
Ours is covered under our homeowners policy. Check with your agent.

loveDmouse
05-26-2008, 06:56 PM
Ours is covered under our homeowners policy. Check with your agent.

I will check with them but it was my understanding that it is only covered at home not when you take it anywhere. Does yours cover it no matter where you are with the cart?

medic9016
05-26-2008, 06:58 PM
Yes, my cart has it's own policy through State Farm. It is an RV policy. My home owners policy would not carry it off my property. I pay less than $15 per year. It is also required to insure and get a DMV sticker here in SC.

loveDmouse
05-26-2008, 07:03 PM
Yes, my cart has it's own policy through State Farm. It is an RV policy. My home owners policy would not carry it off my property. I pay less than $15 per year. It is also required to insure and get a DMV sticker here in SC.

This was $132 a year with $100,000 liability which was what seemed to be the required amount for campgrounds and it will cover our trailer. I asked Progressive and they said I had to have a seperate policy. We have our RV policy with them.
$15 per year is great.
We aren't required here in VA.

loveDmouse
05-27-2008, 01:48 PM
Anybody else?

big kahuna1
05-27-2008, 04:19 PM
Your homeowners policy will generally cover liability while renting or borrowing a non-owned golf cart but just about EVERY homeowners policy excludes coverage for owned motorized and/or recreational type vehicles such as golfcarts, ATV's etc... unless used to service the premises. Then they are only covered while on your premises. An exception is provided for liability to golf carts while going to and from and while ON THE GOLF COURSE and used for golfing. There are some companies that have an endorsement you can pay for to add coverage for golf carts for liability and physical damage. If you do not have a seperate endorsement adding coverage to your homeowners then it is probably excluded and you will need to add this coverage or puchase a seperate policy. You should speak with your agent to verify and discuss the coverages of your homeowners policy as it applies to golf carts and recreational type vehicles.

loveDmouse
05-27-2008, 08:25 PM
I am going to call our company tomorrow and see what they have to say about it. Thanks.

tim5055
05-27-2008, 08:39 PM
It was explained to me by our insurance company (USAA) that the inclusion and/or exclusion of a cart varies by state law. We keep ours in North Carolina and the NC law specifically excludes cart coverage under the homeowners policy.

We added ours as a vehicle to our auto policy for about $60 a year.

Gatordad
05-27-2008, 10:08 PM
Your homeowners policy will generally cover liability while renting or borrowing a non-owned golf cart but just about EVERY homeowners policy excludes coverage for owned motorized and/or recreational type vehicles such as golfcarts, ATV's etc... unless used to service the premises. Then they are only covered while on your premises. An exception is provided for liability to golf carts while going to and from and while ON THE GOLF COURSE and used for golfing. There are some companies that have an endorsement you can pay for to add coverage for golf carts for liability and physical damage. If you do not have a seperate endorsement adding coverage to your homeowners then it is probably excluded and you will need to add this coverage or puchase a seperate policy. You should speak with your agent to verify and discuss the coverages of your homeowners policy as it applies to golf carts and recreational type vehicles.

wow, quite professional.

AuburnJen92
05-27-2008, 10:13 PM
i was quite impressed myself (although it normally doesn't take much, but this time it was deserved!):lmao:

big kahuna1
05-28-2008, 07:34 AM
wow, quite professional.

i was quite impressed myself (although it normally doesn't take much, but this time it was deserved!)

Why thank you. The bill is in the mail!:scared1:

loveDmouse
05-28-2008, 09:46 AM
Well, I just got off the phone with our insurance company for our homeowner's policy. I was told that the policy would cover our golf cart. No matter where we took it. I will give them the info on the cart just so they have it on file but they don't even need that.
That is better then having to fork out more money. :thumbsup2 Doesn't make sense to get a seperate policy if this will cover it.

Our homeowners policy also covers my scooter which I already knew. Checked that out when I got my scooter a few years back.

medic9016
05-28-2008, 11:26 AM
Glad that worked for you. Will you get something to show at other campgrounds if asked?

loveDmouse
05-28-2008, 01:10 PM
Yes I am going to ask them for something that way I have proof if someone asks.

big kahuna1
05-28-2008, 02:21 PM
lovedmouse,

What State do you live in and what Insurance Company is it? Just wondering as I find it very hard to believe your homeowners policy will cover your cart. Find out if they use the Standard ISO(insurance services office) homeowners form and if so, then they must have a special, company added endorsement or it is not covered. You can pm me if you do not want to make this information public. I just hate to see you get some bum information and then find out you have no coverage when you need it.

loveDmouse
05-28-2008, 02:52 PM
Virginia
Nationwide

I will ask them and see what they say. Do you work for an insurance company or something? You sure are knowledgable. Thanks for your help.

big kahuna1
05-28-2008, 03:50 PM
I own an agency in Florida but I have found that the Northern States seem to have broader policies so yours probably does provide coverage but I would get it in writing anyway just to be safe.:thumbsup2

Gatordad
05-28-2008, 04:00 PM
Virginia
Nationwide

I will ask them and see what they say. Do you work for an insurance company or something? You sure are knowledgable. Thanks for your help.


He's not a doctor, but he plays one one TV.

loveDmouse
05-28-2008, 04:10 PM
I own an agency in Florida but I have found that the Northern States seem to have broader policies so yours probably does provide coverage but I would get it in writing anyway just to be safe.:thumbsup2

I will definetly get it in writing. I want something to take with us just in case a campground asks. Thanks for your help.


He's not a doctor, but he plays one one TV.

:rotfl2: :rotfl2: :rotfl2: :rotfl2: :rotfl2: :rotfl2: You crack me up! I just love this forum. You can get great info and great laughs in one spot. ::yes::

CCIntrigue
05-29-2008, 09:51 PM
The campground we frequent most often requires a minimum of $50,000 coverage on a golf cart. We have ours covered under our auto policy.

If you're going to insure yours, make sure you know what the campgrounds you will be visiting require.

auntie
05-29-2008, 09:59 PM
Well, I just got off the phone with our insurance company for our homeowner's policy. I was told that the policy would cover our golf cart. No matter where we took it. I will give them the info on the cart just so they have it on file but they don't even need that.
That is better then having to fork out more money. :thumbsup2 Doesn't make sense to get a seperate policy if this will cover it.

Our homeowners policy also covers my scooter which I already knew. Checked that out when I got my scooter a few years back.

Ours covers the golf cart also. I went through this last year, and again for this season, as the campground we are seasonal in requires a copy of the policy or an insurance card indicating coverage. The agent sent me a copy of policy with highlighted area. It's covered even though it's not being used on a golf course.

loveDmouse
07-08-2008, 02:35 PM
Interesting developement for our golf cart insurance.....

Got a call from our insurance agent, who dug deeper when someone else asked about golf cart insurance, and she said that the golf cart would only be covered at home or at a golf course under our home owner's ins.

Looks like I will have to get a separate policy. :mad:

Just wanted to let you guys know.

big kahuna1
07-08-2008, 02:55 PM
At least you found out before something happened.:thumbsup2

Pirate-Jeff
07-08-2008, 03:31 PM
Nationwide = $ 170.00 per year---for liability on both carts(89 & 2008) with full coverage on the 2008.
$30.00 per year on the trailer Full coverage

tim5055
07-08-2008, 04:21 PM
I really think many folks are looking at this from the wrong angle. Thinking that you will get insurance if a campground requires it is very short sighted in my opinion. If you own a golf cart and take it off your property without insurance you may as well take a trip to Vegas, because your gambling just the same.

Take your cart to FW (or any campground) and have an accident (strike a child) and you are going to be sued. After an incident is not the time to wonder what your coverage is.

If you have called your insurance company and they have said that you are covered, great. Just ask them to put it in writing. After the accident most insurance companies are going to try to figure a way that you are NOT covered, and they sure won't remember a phone call two years ago.

We are all big boys and girls, and we make our own decisions about the chances we take. I for one consider the insurance one of the prices I pay for my toys. YMMV

loveDmouse
07-08-2008, 04:37 PM
At least you found out before something happened.:thumbsup2
I was told we still would have been covered since that is what they had told me and given it to me in writing. I just want to make sure things are done right.

Nationwide = $ 170.00 per year---for liability on both carts(89 & 2008) with full coverage on the 2008.
$30.00 per year on the trailer Full coverage

I can get it with Progressive for $148. It was $168 with Nationwide. For our cart and the trailer. We have our RV insurance with Progressive.

I really think many folks are looking at this from the wrong angle. Thinking that you will get insurance if a campground requires it is very short sighted in my opinion. If you own a golf cart and take it off your property without insurance you may as well take a trip to Vegas, because your gambling just the same.

Take your cart to FW (or any campground) and have an accident (strike a child) and you are going to be sued. After an incident is not the time to wonder what your coverage is.

If you have called your insurance company and they have said that you are covered, great. Just ask them to put it in writing. After the accident most insurance companies are going to try to figure a way that you are NOT covered, and they sure won't remember a phone call two years ago.

We are all big boys and girls, and we make our own decisions about the chances we take. I for one consider the insurance one of the prices I pay for my toys. YMMV

I was originally told it was covered under our homeowners (and have it in writing) and have just found out that it will need a separate policy. I didn't see any sense in getting a separate policy if it was already covered under the homeowners. Since it is not we will.
I am not thinking of just an accident or just because a campground requires proof in order to bring our cart there. We are also wanting to protect our investment. We have a bit of $$ invested in our cart.

big kahuna1
07-09-2008, 09:21 AM
I was told we still would have been covered since that is what they had told me and given it to me in writing. I just want to make sure things are done right.

Their insurance agents E & O insurance would have covered it but not the insurance company itself.

That' why I stated get it in writing before as I honestly do not know any company that provides coverage for owned carts off premises unless specifically endorsed or for golfing purposes only. You are always better off with a seperate policy specifically designed for such purpose.

loveDmouse
07-09-2008, 02:53 PM
Their insurance agents E & O insurance would have covered it but not the insurance company itself.

That' why I stated get it in writing before as I honestly do not know any company that provides coverage for owned carts off premises unless specifically endorsed or for golfing purposes only. You are always better off with a seperate policy specifically designed for such purpose.

That is what she told me. That they, not Nationwide, would have covered it.

I am working on picking which policy now. Should have it straight in a few days.