From neighborhood jaunts to even off-road adventuring, golf carts have grown far beyond their original purpose. But what if you are injured, or worse, if you injure someone else, while riding in your golf cart? Some people mistakenly assume that their existing automobile or homeowner’s insurance will cover the claim. This is not always the case.
Most homeowners polices will cover the cart while you are on the course or only use the cart on your own property. Most auto insurance policies will not cover a golf cart without specific language or endorsement allowing it.
It is possible to obtain insurance for your golf cart. This can cover property loss due to damage or theft as well as bodily injury and liability insurance. It can be done as an endorsement on your existing homeowners or car insurance policy or as a totally separate policy.
As always, the best way to know what is covered by your insurance policy is to check with your insurance agent and ask them to show you where in the policy it discusses what you want to have covered. If you find your cart is not covered, I highly recommend doing so.