Golf Cart insurance

» Site Navigation
Home Page The Villages Maps The Villages Activities The Villages Clubs The Villages Book Healthcare Rentals Real Estate Section Classified Section The Villages Directory Home Improvement Site Guidelines Advertising Info Register Now Video Tutorials Frequently Asked Questions
» Newsletter Signup
» Premium Tower
» Advertisements
» Trending News
» Tower Sponsors




















» Premium Sponsors
» Banner Sponsors
» Advertisements
Closed Thread
Thread Tools
  #1  
Old 11-06-2007, 04:36 PM
784caroline 784caroline is offline
Soaring Eagle member
Join Date: Jul 2007
Posts: 2,430
Thanks: 0
Thanked 4 Times in 4 Posts
Default 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!
  #2  
Old 11-06-2007, 08:28 PM
gingersmom gingersmom is offline
Member
Join Date: Jan 2007
Posts: 98
Thanks: 0
Thanked 0 Times in 0 Posts
Default 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.
  #3  
Old 11-06-2007, 08:39 PM
Bryant Bryant is offline
Senior Member
Join Date: Jul 2007
Posts: 426
Thanks: 0
Thanked 1 Time in 1 Post
Default 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.
__________________
The Villages (Polo Ridge; Piedmont), Toms River, Brick, Spring Lake Heights, NJ and Bronx, NY
  #4  
Old 11-07-2007, 02:11 AM
784caroline 784caroline is offline
Soaring Eagle member
Join Date: Jul 2007
Posts: 2,430
Thanks: 0
Thanked 4 Times in 4 Posts
Default 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.
  #5  
Old 11-07-2007, 02:42 AM
Barefoot's Avatar
Barefoot Barefoot is offline
Sage
Join Date: Jul 2007
Location: Winters in TV, Summers in Canada.
Posts: 17,646
Thanks: 1,240
Thanked 170 Times in 120 Posts
Default 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!
__________________
Barefoot At Last
No act of kindness, no matter how small, is ever wasted.
Saving one dog will not change the world, but surely for that one dog, the world will change forever.
  #6  
Old 11-07-2007, 03:35 AM
The Great Fumar's Avatar
The Great Fumar The Great Fumar is offline
Soaring Eagle member
Join Date: Jul 2007
Location: Chatham
Posts: 2,015
Thanks: 0
Thanked 2 Times in 1 Post
Default 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
__________________
My memory's not as sharp as it used to be, Also
my memory's not as sharp as it used to be.
  #7  
Old 11-07-2007, 03:38 AM
another Linda's Avatar
another Linda another Linda is offline
Veteran member
Join Date: Oct 2007
Location: Santiago and Syracuse
Posts: 983
Thanks: 0
Thanked 0 Times in 0 Posts
Default 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
__________________
Syracuse, NY (last 30+ yrs) TV (next 30+ yrs)

Also: Wheeling, WV * Youngstown, OH* Niles, OH * Oshkosh, WI * Ft. Worth, TX * Da Bronx * Marathon, NY * Bricktown, NJ * Newark, DE * San Antonio, TX * Washington, DC * Tacoma, WA
  #8  
Old 11-07-2007, 08:33 AM
Barefoot's Avatar
Barefoot Barefoot is offline
Sage
Join Date: Jul 2007
Location: Winters in TV, Summers in Canada.
Posts: 17,646
Thanks: 1,240
Thanked 170 Times in 120 Posts
Default Re: Golf Cart insurance

Quote:
Originally Posted by another Linda
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
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:
__________________
Barefoot At Last
No act of kindness, no matter how small, is ever wasted.
Saving one dog will not change the world, but surely for that one dog, the world will change forever.
  #9  
Old 11-07-2007, 01:05 PM
784caroline 784caroline is offline
Soaring Eagle member
Join Date: Jul 2007
Posts: 2,430
Thanks: 0
Thanked 4 Times in 4 Posts
Default 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.
  #10  
Old 11-07-2007, 04:06 PM
jtdraig's Avatar
jtdraig jtdraig is offline
Veteran member
Join Date: Jul 2007
Location: Liberty Park
Posts: 510
Thanks: 3
Thanked 9 Times in 2 Posts
Default 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.
__________________
Poughkeepsie, NY;Buckhannon, WV;Oak Bluffs, Mass;Suitland, MD;Salt Point, NY;Camp Lejeune, NC;Highland, NY;Manassas, VA;Colchester, VT;Brookfield, CT;Tucson, AZ;Brookfield, CT;The Villages, FL; Vietnam-1967 USMC
  #11  
Old 11-07-2007, 09:53 PM
Villages Kahuna's Avatar
Villages Kahuna Villages Kahuna is offline
Sage
Join Date: Jul 2007
Location: Fifteen-year Villager
Posts: 3,122
Thanks: 3
Thanked 268 Times in 72 Posts
Default Separate Policy On Cart Only Is $53 A Year

Arranged by The Villages Insurance Agency, the same folks who did our homeowner's policy.
__________________
Politicians are like diapers--they should be changed frequently, and for the same reason.
  #12  
Old 11-08-2007, 03:01 AM
bfhowa01 bfhowa01 is offline
Junior Member
Join Date: Oct 2007
Posts: 8
Thanks: 0
Thanked 0 Times in 0 Posts
Default 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.
  #13  
Old 11-08-2007, 04:05 AM
bamafan bamafan is offline
Senior Member
Join Date: Jul 2007
Posts: 307
Thanks: 0
Thanked 0 Times in 0 Posts
Default 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.
__________________
Ocala, Florida<br />Birmingham, Alabama<br />TV, Village of Duval
  #14  
Old 11-08-2007, 10:28 PM
784caroline 784caroline is offline
Soaring Eagle member
Join Date: Jul 2007
Posts: 2,430
Thanks: 0
Thanked 4 Times in 4 Posts
Default 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.
  #15  
Old 11-08-2007, 10:39 PM
golfnut's Avatar
golfnut golfnut is offline
Soaring Eagle member
Join Date: Jul 2007
Location: Belvedere
Posts: 2,202
Thanks: 1
Thanked 0 Times in 0 Posts
Default 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?
__________________
Village of Belvedere
Closed Thread

Thread Tools

You are viewing a new design of the TOTV site. Click here to revert to the old version.

All times are GMT -5. The time now is 01:16 PM.