Call Us (281) 351-2880 ☰ ˟
Established in 1995
Logo
(281) 351-2880
  • Home
  • Get A Quote
    • Auto Insurance
    • Commercial Auto Insurance
    • Flood Insurance
    • General Liability Insurance
    • Home Insurance
    • Renters Insurance
    • Umbrella Insurance Quote
    • Workers Compensation Insurance
  • What We Offer
    • Tomball, Texas Insurance Solutions
    • Why Work With an Independent Agent in Cypress, Texas
    • Magnolia, Texas Insurance Solutions
  • Refer A Friend
  • About Us
    • About Insurance Discounters of Texas
    • Reviews
    • Employee Directory
    • Our Location
    • Privacy Policy
  • Blog
  • Contact
    • Contact Us
    • Join Our Newsletter
Home Insurance Auto Insurance Motorcycle Insurance Boat Insurance Business Insurance Health Insurance
Home > Blog > Will Home Insurance Cover Your Golf Cart?
THURSDAY, MAY 21, 2020

Will Home Insurance Cover Your Golf Cart?

Although home insurance claims aren’t frequently denied, it happens more often than you would think. Often, home insurance claims are denied as a result of a misunderstanding between the homeowner and their insurance policy.

 a house with trees in the background

If you have a golf cart, it's important to have insurance in case you ever get into an accident. Whether your home insurance is enough to cover you or you need separate insurance depends on how you use your golf cart. Here are the different situations you should be aware of.

 

Driving On Your Property

 

If you drive only on your own property, your golf cart will often be covered by your standard home insurance policy. This might include hauling lawn tools, inspecting a fence on a large property, or just driving around for recreational purposes. As long as you stay on your property, your golf cart is just like a riding lawn mower or other household tool.

 

Driving On A Golf Course

 

If you live on a golf course and can drive your golf cart directly onto the course, your home insurance may treat the golf course as an extension of your property and cover your golf cart. You may also need to add a special endorsement to cover this usage. In addition, the golf course or homeowners' association might require you to get a specific type and amount of coverage. And this may be more than the basic coverage that comes with your home insurance policy.

 

Driving Around Your Neighborhood

 

In some golf course or retirement communities, it's common for residents to drive their golf courses around on the neighborhood's roads. Whether you're visiting community amenities, heading to an on-property store, or just joyriding, you usually have higher insurance requirements.

 

The reason is that once you're out on the road, you're interacting with cars, bicyclists and pedestrians — as well as the risks that come with that. In addition, once you're off the golf course, people may not be expecting to see a golf cart, and golf carts are often hard to hear approaching. Your home insurance typically won't be sufficient, and you'll need to add special golf cart coverage that covers use on private roads.

 

Driving On Public Roads

 

Once you start driving on public roads, such as to a nearby store, you have even greater insurance requirements. First, you need to understand where it's legal to drive — as your insurance policy may exclude illegal driving. Second, be aware of if your state has minimum insurance requirements for golf carts — as is common for cars — and make sure you have at least that amount of coverage.

 

 

Posted 11:50 AM

Tags: home insurance, golf cart insurance,
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018

  • insurance(24)
  • coverage(16)
  • insurance discounters of texas(12)
  • auto insurance(11)
  • home insurance(9)
  • renters insurance(8)
  • commercial(8)
  • flood insurance(6)
  • liability(6)
  • business(6)
  • policy(6)
  • car insurance(5)
  • auto(4)
  • homeowners insurance(3)
  • accident(3)
  • protection(2)
  • risk(2)
  • workers(2)
  • owners(2)
  • homeowners(2)
  • damage(2)
  • general(2)
  • employee(2)
  • builders(2)
  • bop(2)
  • vehicles(2)
  • car(2)
  • home(2)
  • compensation(2)
  • golf cart insurance(1)
  • coverage for garage(1)
  • workers compensation(1)
  • general liability insurance(1)
  • bundling(1)
  • health insurance(1)
  • denied(1)
  • can you bundle home insurance?(1)
  • premiums(1)
  • rates(1)
  • boat(1)
  • replacement coverage(1)
  • budgeting(1)
  • relationship status(1)
  • motorcycle(1)
  • inspection(1)
  • protect your home(1)
  • rv insurance(1)
  • business owners policy(1)
  • savings(1)
  • claims(1)

View Mobile Version
Facebook
Twitter
Google+
Get Directions
Contact Us Today
Resources
About Us
Products
Customer Service
News
Refer A Friend
Our Carriers
Blog
Contact Us
Contact us 906 W Main Street
Tomball, TX 77375

O: 281-351-2880
F: 281.255.6867
© Copyright 2019. All rights reserved. Powered by Insurance Website Builder.