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Golf Carts Insurance
What is Golf Carts Insurance?
Homeowners insurance typically doesn't cover off-road vehicles.
States will have different insurance requirements for golf carts, but even in those where it is not required, it is still advisable to have golf cart insurance, particularly if you intend to drive your vehicle about your neighborhood. When you're not on your land, your homeowners insurance might not protect you, but golf cart insurance does.
Is Golf Carts or off road insurance required?
Golf cart insurance is not required in the state of Florida. However, in Florida, low-speed vehicles, or LSVs, are a different class of vehicle and need minimum liability insurance. Your golf cart may be classified as an LSV and need insurance if it is street legal, has a state-assigned VIN, and can travel at speeds more than 20 mph. However, golf cart insurance in Florida might provide financial security in the event of an accident even if it's not necessary.
Golf Carts Insurance Coverages
Up to your coverage limitations, liability insurance coverage on your golf cart policy may protect you if you're at fault for accidents or property damage sustained while operating the vehicle. In addition, damage to your golf cart, regardless of who is at blame, and medical expenses for passengers who are hurt can be covered by golf cart insurance.
What is ATV Insurance?
ATV insurance, or all-terrain vehicle insurance, is a type of coverage designed to protect owners of ATVs against various risks and liabilities. ATVs are off-road vehicles that are designed for recreational use and can include four-wheelers, three-wheelers, quad bikes, and other similar vehicles.
Tip
Homeowners insurance typically doesn't cover off-road vehicles.
Is ATV or off road insurance required?
ATV insurance is optional but provides financial protection in case of accidents, damage to the ATV, or liability for injuries and property damage. The specific coverage options and costs can vary based on factors such as the type of ATV, its value, how it is used, your riding history, and the chosen coverage limits.
ATV Insurance Coverages
We automatically include accessories and custom parts/equipment (CPE) coverage on all ATV/UTV policies with comprehensive and collision coverage.
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