Golf Cart insurance
 

I have seen a number of accidents involving Golf Carts and remember a prior post even about a "burned out" golf cart. Is Golf Cart Insurance recommended and do most people have it?? If you have it, do you have just liability or property damage and Comprehensive? Is there a place in the VIllage that specializes on Golf Cart insurance and is it expensive?

From the little that I know, to be fully protected, a golf cart has to be part of your FLorida Auto policy and if you only have personal cars registered in another state , they would create a separate auto policy to cover your golf cart. A home owner policy would only cover you if you had a fire in the house and Homeowner liability would ONLY cover you to/from a golf course on a golf path...NOt a public street where cars are driven like a town square.

Apprecaite your thoughts on this subject!

Re: Golf Cart insurance
 

Get separate insurance for your golf cart. The insurance through your homeowners will not cover you for bodily injury and uninsured motorist. We have the same coverage on our cart as we have on my husband's truck. It's only $105 per year and we're totally covered.

Re: Golf Cart insurance
 

Wow! I pay $100 through my homeowner's policy and don't have coverage to speak of. Will have to check out premium through auto carrier.

Re: Golf Cart insurance
 

Does Villages Insurance offer this line of insurance or do you have to rely on your automobile insurance company to provide Golf Cart Insurance ...ie Liability?

If your $105 quote includes total coverage for a year, think that would be a bargain.

Re: Golf Cart insurance
 

We were told by our local insurance company who handles our house insurance that they could not insure us unless we had Florida drivers licenses, (even tho our cart is not street legal.) Also if renters used our cart they wouldn't be covered. Our house insurance company suggested we contact Allstate who apparently is the only company who will provide complete coverage, without licenses, and it would also be valid for renters. We went to Allstate who insured us, no problem ... nice people!

Re: Golf Cart insurance
 

I have two golf carts and the villages insurance covers them for liability for 50.00 bucks a piece.... In my opinion thats good enough really ....

fumar

Re: Golf Cart insurance
 

Barefoot -- Are you planning on renting your place and letting the renters use your cart? I've been keeping my head in the sand about insuring our cart, but I guess I'd better to something. I figured renters would be a real problem. -- Linda

Re: Golf Cart insurance
 

Linda: I wouldn't drive our cart until we had the insurance in place. We don't plan to rent, but wanted to be covered just in case! Or if we let friends use our Villa and cart. Allstate doesn't have a problem at all with renters using the cart. Our insurance cost us $70 for six months (for a 2007 Columbia Par Car).

Fumar, perhaps you have a Florida driver's license? Our house insurance company would cover us, no problem, but NOT for renters and NOT unless we had a Florida license.

Love having a cart .. it is such a nifty way to get around!! Had it "detailed" today .. she comes to the house and does the complete cart .. easy peasy. :bigthumbsup:

Re: Golf Cart insurance
 

Fumar
Is the $50 premium per cart an attachment to your auto policy or a separate stand alone policy. What are you getting for the premium ... liability only or does it also include Property damage and comprehensive. Thats a great rate depending upon the coverage.

Barefoot
From my research, You donot need a Florida Drivers License to insure a golf cart BUT most insurance companys will create a separate Florida Automobile policy for your golf cart even if your car(s) are registered and licensed and insured as being primarily housed in another state.

Re: Golf Cart insurance
 

It's covered as a separate line item on your auto policy. Mine through USAA costs $60. for six months which covers bodily injury, property damage, and physical damage. I'm probably a bit overilnsured but you never know who is out there...and they are.

Separate Policy On Cart Only Is $53 A Year
 

Arranged by The Villages Insurance Agency, the same folks who did our homeowner's policy.

Re: Golf Cart insurance
 

I am a snowbird who keeps a car with Florida plates at our house in TV. In order to get insurance I needed to get a nonresident Florida drivers license. This was no big deal, all I did was do to the licensing place in Wildwood, pay them some money and have my picture taken. Don't let getting a Florida license get in the way if you need it for your golf cart.

Re: Golf Cart insurance
 

Insured my 2008 EZGO through The Villages Insurance for $81.00 for the year. I was advised not to put it on my homeowners as any claim would be adverse, also insured on my homeowners would only account for a maximum of $5000. in coverage. When I applied for golf cart coverage I was asked for Drivers License numbers and all just like purchasing car insurance.

Re: Golf Cart insurance
 

JTDRAIG
USAA wanted $165 every 6 months for total coverage on my auto policy!!

I just got golf cart insurance from the Villages Insurance in Spanish Springs. Liability, Comprehense, and Collision (w/ minimal deductible for $70 a YEAR......I could not believe the difference!! AT Villages Insurance they will ask you for your SSN, the cost of the Cart, VIN number as well as year and model.

I found out that USAA as well as many other insurers rate a golf cart under automobile rates whereas the Villages has a company that rates a golf cart as a recertional vechicle not subject to state licensing or insurance requirements. In addition if you ever do file a claim against you auto policy for a golf cart incident and its your fault, that will be mark against your auto policy and your total rates are likely to rise. Going with the villages was a no brainer even though I have everything else with USAA.

Re: Golf Cart insurance
 

Bama, you have a 2008 EZ Go, just curious, is it gas or electric? Did you buy it at the EZGO manufacturer store on 441?

Re: Golf Cart insurance
 

Just purchased a policy from AAA. The cost was $60 per year for good coverage.

Re: Golf Cart insurance
 

Golfnut, Yes we did buy from ezgo factory store. 2008 gas they were really great to us. What sold it was a noise supression kit they installed that made it very quite at cruise (20mph) speed. Cart has the ST utility cart front end. We were torn between EZGO and Golf Cart connection.

Re: Golf Cart insurance
 

After checking out Club Car, Yamaha and EZGO I also thought their gas cart was smoother (they have 2 cylinders) and quieter than the others, if/when we get a second cart and it is gas I too will go with EZGO.

Re: Golf Cart insurance
 

Golfnut, Be sure to ask for the noise suppression kit. It does make a difference.

Re: Golf Cart insurance
 

Do you know what the kit is made up of?

Re: Golf Cart insurance
 

Initially i thought it was some kind of attachment to the muffler. When they delivered the cart I found out that it is some kind of heat resistant foam that is lining the engine compartment and on the seat bottom. Works pretty good. My wife wears hearing aids and we are able to carry on a conversation.

Re: Golf Cart insurance
 

Interesting, that makes sense, thanks Bama..

Re: Golf Cart insurance
 

Thanks for the tip. Although mine is $120 per year, I am obviously off to the Villages Insurance today to change it. You gotta love this forum.

Re: Golf Cart insurance
 

Do you have a phone number for Villages Insurance??? Please provided if you dont mind.

Re: Golf Cart insurance
 

Lake Sumter Landing is 751-6622 (352)

Re: Golf Cart insurance
 

Thank you.

Re: Golf Cart insurance
 

Thanks to 784Caroline, I did, in fact, go down to The Villages Insurance. My quote was $62.00 for even better insurance than USAA so I scooped it up and cancelled USAA.

+++++++++++++++++++++++++++++++++++++ :bigthumbsup:


Re: Golf Cart insurance
Quote from: 784caroline on November 08, 2007, 05:28:34 PM
JTDRAIG
USAA wanted $165 every 6 months for total coverage on my auto policy!!

I just got golf cart insurance from the Villages Insurance in Spanish Springs. Liability,
Comprehense, and Collision (w/ minimal deductible for $70 a YEAR......I could not believe the difference!! AT Villages Insurance they will ask you for your SSN, the cost of the Cart, VIN number as well as year and model.

I found out that USAA as well as many other insurers rate a golf cart under automobile rates whereas the Villages has a company that rates a golf cart as a recertional vechicle not subject to state licensing or insurance requirements. In addition if you ever do file a claim against you auto policy for a golf cart incident and its your fault, that will be mark against your auto policy and your total rates are likely to rise. Going with the villages was a no brainer even though I have everything else with USAA.

Thanks for the tip. Although mine is $120 per year, I am obviously off to the Villages Insurance today to change it. You gotta love this forum.

Re: Golf Cart insurance
 

jtdraig, what type and levels of coverage do you get for $62/year.

Re: Golf Cart insurance
 

Golfnut, On my policy it states the value of the cart, and I have a $250 deductable for collision and comprehensive.

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Got our golf cart insurance through AAA in Lady Lake. They deal with Progressive Insurance, and the $60.62 rate is not bad. I too have USAA for my cars, but Progressive for my motorcycle and now the Golf Cart.

AAA was very friendly and timely, and also got my homeowners based on their accessibllity (Called Villages Ins. several times when I was looking for h/o, and they didn't call me back for 4 days).

Re: Golf Cart insurance
 

jtdraig
Glad I could help.....it certainly was an eye opener with the difference in price between USAA and Villages Insurance but once "Sandy" the Office manager in Spanish Springs explained how each policy was written it made sense ie Auto rates vs recreational vechicle rates. AAA must also use recreational rates. Im am surprised that USAA offers this Glof Cart insurance as part of your auto insurance for normally they are very competitive and if they know they are not offering the best product they simply will not offer it and make you look elsewhere.

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784....When I called USAA to cancel my golf cart insurance, I told the Rep that I had secured a policy at half the price and he was shocked. I also told them that while they were wonderful for houses and cars they didn't know "golf carts" and he said that I was right! I think I spent all of 20 minutes at Villages Insurance in LSL. If anyone else goes, they need your golf cart VIN, the cost of your cart, driver's license for both husband/wife or whatever, and that's about it.

Thanks again 784!!!!!!!!!!!

Re: Golf Cart insurance
 

Added cart insurance yesterday on a seperate policy for $104.00. For the difference of 4 bucks the cart is insured for the full amount which includes bodily & unisured motorist for the full price of purchase then prorated. Whereas with a homeowners policy addition it's $ 100.00 per year but covers only upto 5K.