Golf Car Insurance

3 Things you should know about Golf Car Insurance

1 – Your homeowners insurance covers all of your golf car use.  FALSE.

A typical homeowners policy covers a golf car “to and from the golf course”.  Riding it thru the town square or to the grocery store is not covered and you have significant exposure to liability for injury to others.

Example:  A lady stepped off the curb in the town square right into your path and you ran over her foot.  Her $16,000 in medical bills are not covered by your homeowners policy.


2 – You can rent your home and include the use of your golf cart.  FALSE.

Entering into an agreement to rent your home is a business transaction.  Personal insurance policies (such as golf car) specifically exclude coverage for commercial use.

We recommend that you provide your renters with information on where to rent a golf car for their use during their stay.


3 – Golf car insurance is not worth the money.  FALSE.

Look, we don’t want you to be insurance poor; we just want to make sure that you are protecting your assets.  Golf car insurance is relatively inexpensive compared to the cost of being liable for injuries to another person. Premiums average from $80-$120 a year for a typical golf car.



The Villages Insurance writes more golf car coverage than any other agency in the country.

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