Golf Cart Insurance
Protection for Every Short Drive
Whether you’re zipping around your community or heading to the course, we help protect your golf cart wherever you ride. Our golf cart insurance policies are tailored to Florida’s active, outdoor lifestyle.
Why Golf Cart Insurance Matters
In many Southwest Florida communities, golf carts are a preferred mode of transportation. But even short trips come with risks—collisions, property damage, or accidents involving pedestrians. Homeowners insurance offers very limited coverage for golf carts, especially when used off your property or on public roads. We help you get the liability, collision, and equipment protection you need so you can ride confidently through your neighborhood, HOA, or golf course.
What Golf Cart Insurance Can Cover
Liability Protection
Covers injury or property damage you cause while operating the cart.
Collision Coverage
Pays for repairs if your golf cart is damaged in an accident.
Comprehensive Coverage
Protects against non-collision incidents like fire, theft, or vandalism.
Accessory Coverage
Includes upgrades like custom seats, roofs, or added lighting.
Frequently Asked Questions
Is golf cart insurance required in Florida?
It depends on where and how you use it. If you drive your golf cart on public roads or in a street-legal community, insurance is often required by law or HOA rules. Even when not required, having coverage protects you from liability and costly repairs after an accident.
Will my homeowners policy cover golf cart damage?
Most homeowners policies only provide very limited coverage—and only when the cart is used on your own property. If you use your cart in your neighborhood, on golf courses, or on public roads, a standalone golf cart policy is the best way to stay protected.
Can I get insurance for a modified or custom golf cart?
Yes! Many of our clients enhance their carts with upgraded seats, sound systems, or lighting kits. We’ll make sure your policy includes these custom parts and accessories so you don’t miss out if damage occurs.
What if I only use my golf cart seasonally?
We offer flexible policies for part-time Florida residents and seasonal users. Whether your cart stays parked for months or gets daily use, we’ll tailor your coverage to match your driving habits.