Here in the insurance world, we often hear customers make statements to the effect that their golf cart is covered by their homeowners policy and that they do not need a specific policy for it. They are rarely right, AND only to a MINIMAL extent.
Most homeowners policies will provide some very basic, limited coverage while you are using your golf cart on your residence premises or while used for "golfing purposes". Well, if you own a golf cart, you probably use it for more than "golfing purposes". Let's talk about this. Have you ever stopped off at the store on your way home from the golf course? Have you ever stopped by a friend's house to visit? Do you sometimes grab your spouse and head out for an afternoon drive just for fun in your golf cart? Well of course you have! And who doesn't?!
Golf carts are a lot of fun, but they can also get you into financial trouble and jeopardize everything you have worked for. Let's take a scenario. You decide to hop in your golf cart and take your wife and grandkids to your friend's house down the street. While you are on the way, you stop to talk to another friend out walking. After a few minutes of conversation, you say goodbye and start to take off, but you run over your friend's foot. He is not very happy about this and in a lot of pain. This little incident could easily put you into a major liability lawsuit.
Did you know that could get legal defense and liability protection for this type of situation for generally less than $100 per year and get coverage for you and your family and your golf cart??
Contact me to find out how I can help you protect yourself. You'll be glad you did!