Golf Cart Insurance
 

We are new to The Villages. Do we need golf cart insurance? Where do we get it? What does it cost? Thanks

Golf cart insurance
 

We have and would highly recommend it!! We have it through State Farm for $149 a year.

If you do not have it and cause an accident, the liability judgement against you could wipe out a lifetime of what you worked for. Cost is usually between $120 and $150 per year.

Concur. Probably you will never need it but it's cheap and if something were to happen, it makes life so much better for you.

Check around for rates. You can get it at the Villages Insurance, State Farm, and at AAA which gets you Progressive. Some other "auto" insurance plans have it also but they sometimes don't really know how to write a policy for "Golf Carts." Best they can do sometimes is motorcycle coverage policy so ask questions before you pay.

Progressive calls ours a motorcycle policy but our carts are clearly identified as such. Asking if you need this insurance is somewhat akin to asking if you need homeowners and auto insurance; to not do so could (as pointed out by an earlier poster) wipe you out financially.

Yes, absolutely.
Villages Insurance provides our home insurance plus golf cart insurance.

Are you saying your homeowners and golf cart are combined in one policy? If so, could you let us know which insurance company it is since Villages Insurance is merely a broker?

Yes, you should get insurance. There are way too many personal injury attorneys down here. It only costs me $175.00 for full insurance with Uninsured motorists coverage. If you don't get the Uninsured you can save $30 bucks. I got mine from The Villages Ins.

No, they are separate policies.

Two separate policies, both of which are purchased through Villages Insurance.
By the way, don't forget to ask your Broker about obtaining sink hole insurance.

Our cart insurance is with The Villages Insurance, and it's with Foremost.

It's a motor vehicle driving in city streets with cars and trucks, not just a buggy on a golf course.

Get a separate golf cart policy that has liability coverage, medical payments, etc. People on carts in crashes often get thrown out onto pavement or curbs, sometimes with fatal or maiming injuries. Get seat belts, too!! Most cart crash injuries here in the streets are ejections.

Villages Insurance sells policy thru Foremost. Premium is about $150 per year and WORTH it.

I have Allstate. Stephanie at 259-3825. I get a good discount also because I have auto, home and umbrella too.

Have Allstate Auto and they gave me cart Ins. for $83.00 per year.:024:

Absolutely get insurance and make SURE you have the right insurance. Hubby was in a serious cart accident in March, resulting in 5 surgeries (thank goodness he was wearing a seatbelt). He was hit by Florida resident driver who was in an automobile and at fault and ticketed. Because we are Michigan residents living in Florida part time...our MI no fault policy will kick in first (actually our health insurance kicks in first). Having said that, this is the BIGGEST mess you have ever seen, with all insurances trying to get out of paying!!! I would not want to wish this fiasco on anyone!

Be sure to also have theft coverage.

Thomas Insurance Services 352-326-8021 3235A Hwy 441/27 in Fruitland, our agent is Kate.

They sell Foremost Cart Insurance. Our cart insurance runs a little over a hundred a year on a 2014 cart with full coverages. They appreciate you business too.

As with car insurance you have to know what your coverages are to compare the cost.

You definitely should get the golf cart ins. policy . Once you are here, you may find that a lot of people "adjust their cart" so they can drive it over the recommended 20 mph. What most people won't tell you though, is that if you have an accident, and your cart has been adjusted, your insurance may not cover your accident. I don;t understand why everyone here is in such a hurry, this is a beautiful place-slow down and enjoy it!!!!!!!!!!

I have golf cart insurance added to my homeowners policy and its $40 per year. I wonder if that is the proper coverage I need. I better check into that.

Excellent post!

The 20 mph is the law! It is not only the law but if you get stopped for speeding, you will have HUGE fines to pay.