Golf cart & low speed vehicles

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General insurance protects you and your assets from the financial risk of something going wrong.

It can’t stop something happening, but if something unexpected does happen that is covered by your policy it means you won’t have to pay the full cost of a loss.

A Necessity Because Accidents Happen


The difference between a golf cart and a low speed vehicle (LSV), often called a “street legal” golf cart is fairly simple.  A LSV must be titled, registered and insured, adhering to the same requirements as a motor vehicle. Golf carts on the other hand, are not required to adhere to the same rules and regulations and are not required by law to be insured. However, many private communities require you carry liability at minimum, if you own a golf cart and live within that community.

Some auto insurance companies allow insureds to add a LSV right on their auto policy while others will require a separate policy be written. If you have a golf cart that goes no more than 15 miles per hour and is used only on personal property, a golf course or designated roads within a private community, then often times (not always), it can be added to your homeowners insurance policy.