Golf carts have become a staple in many neighborhoods, offering a fun, convenient, and eco-friendly way to get around. From planned communities to retirement villages, you’ll see golf carts zipping along streets and pathways, carrying residents to the golf course, local stores, or even just around the neighborhood. However, many homeowners overlook a crucial aspect of owning a golf cart: making sure it’s properly insured.
Did you know your Ovation homeowners insurance policy might already provide comprehensive coverage for your golf cart? Here’s everything you need to know about golf cart insurance and how the coverage protects you.
Why Insuring Your Golf Cart Matters
Owning a golf cart comes with unique risks. While golf carts may not be as fast or robust as cars, they are still vulnerable to theft, damage, and accidents. Imagine your golf cart being stolen from your driveway or an unfortunate collision causing injuries or property damage. Without proper insurance, you could face significant out-of-pocket expenses.
Ovation Policies Have Built-In Golf Cart Coverage
One of the benefits of being insured with Ovation is the peace of mind from knowing your golf cart is covered under your homeowners policy.
Here are the three types of coverage included with golf cart insurance from Ovation:
Personal Property Coverage
Your Ovation policy includes up to $5,000 in personal property coverage for your golf cart. This coverage protects you if your golf cart is damaged or stolen due to a covered peril, such as theft, fire, or vandalism.
For example:
- Scenario 1: Your golf cart is stolen from your driveway during the night. Ovation will help cover the cost to repair or replace your golf cart up to $5,000, based on your policy’s terms.
- Scenario 2: A fire in your garage damages your golf cart, along with other belongings stored there. Your golf cart insurance will help pay for the repair or replacement of the golf cart, up to $5,000, provided the fire is a covered peril under your policy.
Personal Liability Coverage
If your Ovation homeowners policy includes personal liability coverage (Coverage E), you’ll automatically have up to $25,000 in liability protection associated with your golf cart. This coverage protects you against claims or lawsuits when you or an authorized user of the golf cart accidentally cause injury or property damage to others.
Personal liability coverage may be triggered when you are found legally responsible for accidental injuries or property damage to others. This coverage can help pay for legal defense costs, settlements, or judgments and awards if a claim or lawsuit is filed against you. It can also address certain claims directly submitted to your insurer, even without a formal lawsuit, depending on the circumstances.
For example:
- Scenario 1: While driving your golf cart in your community, you accidentally collide with a parked vehicle, causing damage. The owner of the damaged vehicle submits a claim with your insurer. Your liability coverage could help pay for the repairs to the other vehicle, up to $25,000.
- Scenario 2: While transporting a guest in your golf cart, the cart tips over, and your passenger sustains injuries. Your liability coverage could help pay for their medical expenses or damages they claim as a result of the accident.
Important Note: Personal liability protection involving your golf cart is only available if your Ovation homeowners policy includes Coverage E. If you’ve opted to exclude personal liability coverage from your home insurance policy, you won’t have any personal liability coverage associated with your golf cart.
Medical Payments Coverage
Accidents happen, and when they do, Ovation has you covered. Your policy includes up to $2,000 in medical payments to others for golf cart-related accidents. This coverage applies regardless of fault and helps pay for bodily injuries sustained while using the golf cart.
For example:
- Scenario 1: A child playing near your parked golf cart trips over its wheel and falls, sustaining a minor head injury. Your insurance allows up to $2,000 for their medical treatment, even though the golf cart wasn’t in use at the time of the incident.
- Scenario 2: A friend rides in your golf cart and falls out while you’re turning a corner, sustaining injuries to their arm. Your medical payments coverage will provide up to $2,000 to cover their medical expenses, regardless of who was at fault.
What to Know About Golf Cart Insurance
The golf cart coverage included in your Ovation policy is designed to provide peace of mind without additional cost or hassle. Here are a few things to keep in mind:
- It’s automatic: The coverage is built into your policy, so you don’t need to purchase a separate policy for your golf cart.
- It’s comprehensive: From theft to liability and medical payments, Ovation’s coverage addresses the key risks of owning a golf cart.
- Florida law doesn’t require insurance for your golf cart: While it’s not mandatory, having golf cart insurance ensures you’re protected from unexpected costs.
- Check your policy: If you’re unsure whether your policy includes Coverage E (personal liability) or want to confirm the details of your golf cart coverage, reach out to your Ovation agent.
Protect Your Golf Cart with Ovation Homeowners Insurance
Golf carts make life more fun and convenient, and with Ovation Home Insurance Exchange, you can enjoy your golf cart with confidence. From property protection to personal liability and medical payments to others, your homeowners policy provides built-in coverage designed to protect you from unexpected risks involving your golf cart.
Take a moment to review your policy or contact your agent to ensure you’re fully informed about your golf cart insurance. Not yet insured by Ovation? Get a quote online right now.
With Ovation, you’re not just insured – you’re protected by a neighborly, professional company who has always got your back.