Do I Need Insurance?

Thinking about skipping insurance on your new golf cart or low-speed vehicle (LSV)? Here are the top reasons why golf cart insurance is essential for protection, compliance, and peace of mind.

🚗 Why Golf Cart & LSV Insurance Matters

Buying a new golf cart or Low-Speed Vehicle (LSV) is an exciting investment—whether you're cruising around your neighborhood, a golf course, or using it for short commutes. But just like a car, your cart needs insurance protection. In this blog post, we break down the top reasons why golf cart insurance is a smart move.

🔒 1. Protect Yourself from Liability Claims

One of the most important reasons to get golf cart insurance is liability coverage. If you accidentally injure someone or damage property while driving your cart, liability insurance helps cover the costs. Many neighborhoods and communities now allow LSVs on public roads—where accidents can (and do) happen.

🛡️ 2. Your Cart Can Be Stolen or Vandalized

Golf carts are lightweight, portable, and often left unsecured—making them prime targets for theft. Comprehensive insurance coverage protects your investment if your cart is stolen or vandalized, giving you peace of mind.

⚠️ 3. Accidents Happen – Even in Low-Speed Vehicles

While golf carts and LSVs may not reach high speeds, they’re still at risk for collisions. Whether it’s with another vehicle, a curb, or a tree, collision coverage ensures that damage repair or replacement won’t come out of pocket.

🌪️ 4. Natural Disaster and Weather Protection

Storms, floods, fires, and even falling debris can cause major damage to your golf cart. Comprehensive policies typically cover weather-related damages, which are more common than you might think—especially in coastal or storm-prone areas.

👮 5. Some States Require Insurance by Law

In many states, especially where LSVs are street-legal, insurance isn’t optional—it’s the law. Driving without it can lead to fines, penalties, or even vehicle impoundment.

🧾 6. Homeowners Insurance Doesn’t Always Cover You

A common misconception is that homeowners insurance covers golf carts, but coverage is often limited or only applies when the cart is on your property. If you use it outside your yard or HOA community, you could be exposed.

💵 7. Golf Cart Insurance is Affordable

Compared to regular auto insurance, golf cart insurance is surprisingly affordable. With basic policies starting at low monthly rates, it’s a small price to pay for financial protection.

❤️ 8. Peace of Mind on Every Ride

Insurance isn’t just about covering worst-case scenarios—it’s about enjoying your cart with confidence. Whether you're using it recreationally or for daily errands, knowing you're covered means one less thing to worry about.

✅ Final Thoughts: Is Golf Cart or LSV Insurance Worth It?

Absolutely. Insuring your new golf cart or LSV isn’t just smart—it’s essential. From liability protection to theft coverage, the right policy ensures that you’re protected wherever you ride. And with insurance plans tailored specifically for golf carts, getting covered has never been easier—or more affordable.