Home and Auto Insurance in Florida

Golf Cart Insurance in Florida - Who Should Have It?

Is Golf Cart Insurance Required in Florida?

If you have a golf cart, if you know someone with a golf cart, or if you are considering the purchase of a golf cart, you need to read this before making a big mistake on your insurance.

Golf Carts are NOT generally covered on a standard Homeowners policy automatically. So, if you are looking to purchase (or already have) a golf cart, you really need to consider some options and make sure to add the right coverage for your situation. There are two primary situations with golf carts, and they are treated completely different in Florida from an insurance standpoint:
  • If your golf cart is modified and registered with the FL DMV (considered a LSV, Low Speed Vehicle), you no longer have a golf cart from an insurance standpoint, as Florida Law now classifies your golf cart (LSV) as a regular automobile. In this case, you must have a policy that more closely resembles a regular Auto Insurance policy, which includes Personal Injury Protection. Not having the correct coverage leaves you unprotected, but it also risks your driver’s license, as you are technically driving a registered vehicle without the property coverage (this can result in a suspended driver’s license). The good news is that these policies usually only cost between $150-$350 per year for good coverage.
  • If your golf cart is not registered with the FL DMV, you should be able to cover your Golf Cart with a stand-alone Golf Cart insurance policy. The cost of these policies is relatively small (usually between $70-$250 per year). The reason you should choose a stand-alone policy (instead of a home insurance coverage endorsement) for this suggestion is simple: If you have to make a claim for a golf cart accident, theft, etc., you’re much better off by making this claim on a golf cart policy rather than on your home insurance policy (the last thing you want to do in Florida is make unnecessary claims on your Home Insurance that could have been handled elsewhere).

Regardless of which option you choose, having seen a few situations where a golf cart owner didn’t have a special endorsement or policy, we simply thought it was important to cover this topic to help you avoid finding out the hard way as well.

If you have a golf cart or are considering one, just contact our office, and we’ll be happy to talk through the options and provide a quote for golf cart insurance so you can have peace of mind for your new ride.

Joel Meek

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