Golf carts and low-speed vehicles occupy an awkward gap. They are not quite cars and not quite recreational equipment, and that ambiguity is exactly where coverage disputes happen.
Most homeowners policies cover a golf cart only while it is on the grounds of a golf course, or exclude it entirely. The moment it is driven on a community street — which is how most carts are actually used — that coverage typically ends.
A cart used only on a course is a straightforward risk. A cart used as everyday transportation in a master-planned or 55-plus community, crossing public roads and carrying passengers, is closer to an auto exposure and needs liability coverage that reflects it.
If your vehicle is street-legal — a low-speed vehicle with a VIN, lights, seat belts and a windshield — it may be legally required to carry auto liability coverage in your state.
Many communities require proof of liability coverage at a stated limit before permitting cart use on community roads. We can issue the certificate your association asks for.
Send us the declarations page you have now. We read it line by line, tell you plainly where the gaps are, and shop it across the carriers appointed in your state. If what you hold is already the right policy, we will say so.
Send your policyOne brokerage, one file. If it is on this list we can shop it alongside whatever you already hold, and tell you where the two policies overlap or leave a gap.
Send us what you have now. We will read it properly, tell you where the gaps are, and shop it across the carriers appointed in your state. If it is already right, we will say so.
Independent insurance guidance for your home, your business, and your life across state lines.