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Do I Need Golf Cart Insurance?

Updated: June 2016

It may not be your primary mode of transportation, but your golf cart sure can take you places: on the green, around your neighborhood, across your property and, in some cases, even around town.

So, do you need to insure it?

ATV Insurance

Well, some states require golf cart insurance. In Arizona, for instance, golf cart owners are required by law to hold liability insurance if they use the vehicle on roads. So, be sure to check your state's laws to help determine if golf cart insurance is required where you live.

Even if you're not legally required to buy insurance for your golf cart, it may make sense for you to do so. And, it can offer peace of mind: Golf carts can get stolen or damaged, and they can also cause serious damage or injuries in an accident.

Auto and Home Insurance May Not Cover Golf Carts

Some people mistakenly assume that their existing insurance will absorb the risks associated with a golf cart. But, the reality is that you may not be able to rely on your homeowners insurance or your car insurance policy to help protect your golf cart.

Check with your agent to be sure, but most standard homeowners policies provide little coverage for golf carts — especially once you leave the borders of your property. Likewise, a standard car insurance policy typically will not offer protection for your golf cart.

So, what kind of insurance coverage is available? Depending on where you live or who your insurer is, you may be able to add on an endorsement to your existing homeowners or car insurance policy to help better cover your golf cart. Or, you may choose to buy a policy specifically for your golf cart. Some insurance companies offer policies that are designed for golf carts, covering you just about anywhere your cart takes you — or even off-season while it's in storage.

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What Does Golf Cart Insurance Cover?

Here are some basic coverages you might find in a golf cart insurance policy. (Hint: They're similar to the types of coverages you may already be familiar with on your car insurance.)

  • Property damage liability coverage: If you are found legally responsible for an accident that damages another person's property — a car or house, for instance — this coverage may help you pay to repair the damage.
  • Bodily injury liability coverage: If you cause an accident that hurts another person, this coverage may help you pay for the other person's medical bills and other related expenses.
  • Collision coverage: If you collide with another cart or another object in an accident, this coverage may help you pay for repairs to your own golf cart, regardless of who is at fault.
  • Comprehensive coverage: If your golf cart is damaged by something other than a collision — fire, theft or hail, for instance — this coverage may help pay to repair the damage.

There are other bells and whistles you may be able add to an insurance policy, too. For instance, some insurers offer coverage for custom parts like headlights or a stereo.

As with any insurance policy, coverage limits — the maximum your policy will pay out after a covered loss — will apply. It's important to understand what your policy covers and how much coverage it may provide in the event of a claim.

Then, whether you plan to take on the sand traps and water hazards or just head out for a leisurely cruise, you can rest easy knowing there's available golf cart insurance that's right for you.

Coverage subject to terms, conditions and availability. Policy issuance is subject to qualifications. Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Indemnity Company, Allstate New Jersey Property and Casualty Insurance Company. © 2016 Allstate Insurance Company, Northbrook, IL.
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