Physical damage
Helps repair or replace the cart after a covered loss such as collision, fire, theft or vandalism.
What it covers
What golf cart coverage can include
A golf cart policy covers the cart, its accessories and your liability when someone is hurt or property is damaged. Coverage options vary by policy and carrier.
Liability
Helps if you are legally responsible for injuring someone or damaging property while operating the cart.
Medical payments
Can help with medical bills for you or your passengers after a covered accident, regardless of fault.
Accessories and upgrades
Lift kits, custom seats, lights, enclosures and audio systems can often be covered when listed. Ask about limits for added parts.
Uninsured motorist
Can help if you are hit by a driver who has no insurance, on streets where carts and cars share the road.
Optional add-ons
Depending on the carrier, options can include towing or roadside help and coverage for items stored in the cart.
Who needs it
Who needs golf cart insurance
If any of these sound like you, it is worth a quick conversation. We serve Kentucky, Ohio and Indiana.
Neighborhood and community users
Carts driven on streets within a community can create liability exposure to people outside your home.
Campers and lake-house owners
Carts at campgrounds and vacation properties are used by families and guests, which adds liability.
Owners with customized carts
Upgrades can add real value that should be listed on the policy.
Farm, shop and property owners
Carts used for work on a property may be treated differently than recreational use. Tell us how you use yours.
Local agency
Golf cart coverage in Florence, Boone County and Northern Kentucky
Golf carts are a common sight at courses, campgrounds and lake properties across Kentucky, Ohio and Indiana, and in some neighborhoods around Boone County and Northern Kentucky. Whether you can drive on public roads depends on state and local rules, so check with your city or county.
Turner Insurance Group is based in Florence and writes policies in Kentucky, Ohio and Indiana. If your cart lives at a second home or campground in another state, mention it and we will talk through the options.
Be prepared
Questions we will ask
Where do you drive it?
On a course, in a neighborhood, on public roads or on private property. This can affect coverage options.
Is it gas or electric?
The power type, along with the make, model and year, helps the carrier identify the cart.
What has been added?
List any upgrades or accessories and their approximate value.
Who drives it?
Teens and guests often use the cart. Tell us who is expected to drive.
FAQ
Common questions
Does my homeowners policy cover my golf cart?
Sometimes in a limited way, and often not at all. Many homeowners policies limit or exclude motorized vehicles, and liability may be restricted to certain places such as your own property. Check with us so you know what applies to your policy.
Do I need insurance for a golf cart I only use on private property?
Whether insurance is required depends on where and how the cart is used, and rules vary by state and locality. Injuries and damage can happen on private property too, so liability and physical damage coverage are worth discussing.
Can my golf cart be insured if it is customized?
Often yes. Lift kits, wheels, lights and other accessories can usually be listed on the policy, subject to limits and terms.
What about a street-legal golf cart or low-speed vehicle?
Carts that are registered for road use may be treated differently than standard carts. Share how yours is set up and we will explain your options.
Do you write golf cart insurance in Ohio and Indiana?
Yes. We write policies in Kentucky, Ohio and Indiana. Coverage options vary by policy and carrier.
Keep reading
Related coverage & guides
Homeowners insurance · Umbrella insurance · RV, camper & travel trailer · Boat insurance · Auto insurance · All coverage
Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Ready for a golf cart quote?
Request a quote online, or call or text our Florence office at 7000 Houston Rd, Ste 12. We serve Kentucky, Ohio and Indiana.