What is Golf Cart Insurance?
Golf cart insurance is a specialized policy designed to protect you and your golf cart from unexpected events. Many people assume their golf cart is covered by their homeowners or auto insurance, but this is often not the case, especially if you drive it off your own property. A dedicated policy provides specific coverages for liability, property damage, and more.
What Does Golf Cart Insurance Cover?
A comprehensive golf cart policy can be tailored to your needs and can include:
Liability Coverage
Covers costs for bodily injury and property damage you may cause to others while operating your golf cart.
Collision Coverage
Pays for damage to your golf cart if you have a collision with another object or vehicle, regardless of who is at fault.
Comprehensive Coverage
Covers damage to your golf cart from non-collision events such as theft, fire, vandalism, or flooding.
Accessory Coverage
Protects your custom accessories, like upgraded seats, custom wheels, or enclosures, that were not factory-installed.
The D&E Advantage
Finding the right coverage for your golf cart can be tricky. Here's how we make it easy and effective:
Specialized Expertise
We understand the unique risks associated with golf carts, both on and off the course. Our agents are knowledgeable about state and local regulations to ensure you have the proper coverage.
Access to Top Insurers
As an independent agency, we partner with a variety of top-rated insurance carriers that specialize in recreational vehicles, allowing us to find you the best policy at a competitive price.
Personalized Service
We take the time to understand how you use your golf cart to recommend a policy that fits your lifestyle. From quotes to claims, we're here to provide dedicated support.
We Insure All Types of Golf Carts
Whether you have a standard golf cart or a customized street-legal vehicle, we have the right coverage for you.
Standard Golf Carts
Traditional golf carts used primarily on golf courses and within gated communities.
Street-Legal Golf Carts (LSVs)
Modified golf carts with safety features that allow them to be driven on roads with speed limits of 35 mph or less.
Custom & Luxury Golf Carts
High-end and customized golf carts with premium features and modifications.
Electric Golf Carts
Battery-powered golf carts that are environmentally friendly and economical to operate.
Gas-Powered Golf Carts
Golf carts with gasoline engines that typically offer more power and longer range.
Utility & Commercial Golf Carts
Golf carts used for maintenance, security, or commercial purposes in resorts, communities, or businesses.