Industry

Golf Cart Insurance Newly Available in Florida

Golf carts are primarily designed for transportation from one green to the next, but they are no longer limited to the course. It may not be your primary mode of transportation, but the golf cart can take you to these places: on the green, around your gated community, around your neighborhood, across your property, across retirement park or condo complex, and sometimes even around town.

Then, do you need the golf cart insurance, just like your car?

Whether you use them off-road or on, the right insurance can help you protect your golf cart. Your homeowners insurance policy might not cover you if you ride off your own property. 

In order to meet the users’ demand, American Integrity Insurance Co., a Florida-based insurance provider, has newly launched a standalone golf cart insurance program, in addition to its umbrella product.

What's covered?

The American Integrity golf cart insurance policy will have similar coverage types that are often seen in an auto insurance policy. The launched Golf Cart Insurance has covered:

• Property Damage Liability Coverage

If the golf cart driver is found legally responsible for an accident, this coverage will help pay for damage to another person’s property, like a car or house.

• Injury Liability Coverage

This coverage will help pay for the medical bills of another person who suffers injuries if the golf cart driver is found legally responsible for an accident.

• Collision Coverage

If it collides with another cart or object in an accident, this coverage will help pay for the golf cart’s repairs, regardless who is at fault.

• Comprehensive Coverage

This coverage may help repair a golf cart if it is damaged by the fire or theft, for instance, versus the damage being caused by a collision.

Any discount?

American Integrity’s golf cart insurance can provide liability limits up to $500,000, under certain circumstances. The program offers several discounts, including a discount for customers with proof of continuous coverage within the past six months. Customers can select from several deductible options for both collision and comprehensive coverage.

Like any other vehicle, a golf cart collision can result in property damage and injuries. Golf carts tend to be easier to steal than the average car. Though they are relatively small, these vehicles can be expensive, whether you choose an electric powered or gas powered golf cart.

Therefore, If you own a golf cart, it’s a good idea to buy golf cart insurance to get protection on and off the course.