In most cases, your Personal Homeowner’s Insurance Policy will extend Liability and Medical Payments to your Golf Cart while at a Golf Course. However, if your golf cart is street legal, you will need to have separate liability coverage if you plan to drive your golf cart on the road.
It is not uncommon for a homeowner’s insurance policy to not include any coverage for Physical Damage (Damage/Fire/Theft) for a Golf Cart in the Homeowner’s Insurance policy. Additionally, there is usually no coverage for vehicles, motorcycles or any recreational vehicles under your homeowner insurance policy. To have physical damage coverage, such as from a fire or wind/tornado damage or theft, you need Comprehensive coverage under an auto or recreational vehicle policy. If you take your street legal golf cart on the road, you should carry Collision Coverage as well to cover any damage from an impact with another motor vehicle.
Briggs Agency, Inc. offers great Homeowner, Automobile and Recreational Vehicle rates! Our licensed insurance professionals are your advocate. We educate our clients regarding their insurance coverage and assist with any questions. When it comes to a potential claim, we encourage our clients to contact our office so we can explain the claims process and offer advice.
Experience the benefits of a full service Independent Insurance Agency today! Simply contact the Briggs Agency, Inc. if you are interested in a second opinion on your Insurance at 219-769-4840 or visit our website at www.BriggsAgency.com.
We look forward to hearing from you!