Golf Cart Insurance in Tallahassee and Havana, FL
Driving a golf cart can be a fun, easy way of traveling short distances, whether you’re driving to the green or just around your neighborhood. But just like any motor vehicle, golf carts have their operational risks. Plus, you don’t have the same security devices and safety mechanisms on a golf cart that you do on the average vehicle. Your insurance benefits should be customized specifically to this unique vehicle.
McKee Insurance Agency understands both the value and safety risks associated with your golf cart, and we can help you adequately insure this vehicle to your specifications. We strive to develop genuine relationships with every client, and we’ll work hand in hand with you to design the insurance products that will keep your assets secure at all times.
Call us at (850) 224-6055 or get started on a free quote today.
Common Golf Cart Insurance Questions
Does Car Insurance Cover Golf Cart Insurance?
The standard automobile is vastly different from a golf cart, which is why the average auto insurance policy will not cover your golf cart. In limited cases, you might be able to add a golf cart insurance endorsement to your auto insurance policy. However, the coverage limits will vary significantly from those on your vehicle.
Additionally, your homeowners insurance might offer a golf cart insurance endorsement. However, this benefit might be limited if you drive your golf cart off of your property. As a result, you are still better off getting a quality golf cart insurance policy.
Do You Need Insurance to Drive a Golf Cart?
Some states require golf cart insurance while others don’t. States that do typically require you to carry a minimum amount of liability coverage. Most of the time, you won’t be required to carry golf cart insurance in Florida. There are exceptions, however.
Low-speed vehicles are required to carry insurance, and some golf carts can be considered low-speed vehicles. It will most likely be considered a low-speed vehicle if it is registered with the Department of Highway Safety and Motor Vehicles. Check your title and speak with the seller about whether your golf cart fits the criteria of a low-speed vehicle. Low-speed vehicles in Florida are typically required to carry personal injury protection (PIP) and property damage liability.
What Does Golf Cart Insurance Cover?
Golf cart insurance offers coverage similar to motorcycle or auto insurance. However, its benefits will be tailored to the unique operating risks associated with these vehicles.
Policies may include:
Guest Passenger Liability Insurance: This liability policy pays for medical expenses for your passengers in the case of an accident that is your fault.
Uninsured Motorist Coverage: This provides coverage if an uninsured motorist hits your golf cart and then lacks the liability insurance to compensate you for your property damage.
Comprehensive Coverage: Comprehensive coverage covers your golf cart for damage done unrelated to a collision—such as fire, hail or windstorms.
How Much Does Golf Cart Insurance Cost?
Golf cart insurance premiums can vary widely based on the vehicle's value, the amount of coverage you buy, how you operate the vehicle and other demographic factors. However, we will work with you to comprehensively compare all of the policy options within our carrier network to find the one that offers you the most optimized level of coverage and price.
McKee Insurance Agency works hard to find our fantastic clients the lowest rates possible for Florida golf cart insurance. Call us at (850) 224-6055 and get insured now.