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HOME : Just the FAQs Ma'amCoverage For Golf Carts Not Par For The CourseMy husband and I recently moved into a new condominium development that surrounds a golf course to which we belong. We have bought our own golf cart, because we figured it would be handy for getting around the development, as well as on the golf course. But does our condo insurance cover it? Put on the brakes for now, because coverage for golf carts under your home policy is limited. As far as using your cart on the golf course, you are covered for liability. While the liability portion of your home policy doesn't cover motorized vehicles, it lists some exceptions. One of these exceptions is "motorized golf carts WHILE USED ON A GOLF COURSE." So if you happen to run into a fellow golfer with your cart and break his leg, your insurance will come to your rescue if he should sue you. However, if you drive your cart into the duck pond on the 15th hole, you are NOT covered for the damage to the cart. Home policies don't cover "motorized vehicles or their equipment, EXCEPT FOR watercraft, lawnmowers, other gardening equipment, snow blowers, wheelchairs, or scooters having more than two wheels and designed specifically for the carrying of a person who has a physical disability." No mention of golf carts. That means your cart is not covered for direct damage on the golf course. Likewise if it was stolen - you're out of luck. While there is at least liability coverage for the use of your cart on the golf course, there is no coverage at all - neither liability nor direct damage - under your home policy for use of the cart in the condo development. So if you hit your neighbour's car with your golf cart on the condominium property, you would not be covered. The same goes if you injured him and he sued you. Therefore, if you have a golf cart, ask your insurance provider what coverage you have, and what additional coverage, if any, is available. You may be able to get special insurance for damage to your cart on the golf course, either through an endorsement (add-on) to your policy, or by listing it as a specific item insured. The insurer may also agree to extend liability coverage to use of the cart off the golf course, but don't assume; it's not a matter of course. When it comes to golf-cart coverage, don't put yourself in the rough, insurance-wise, before you even tee off!
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