Golf Cart Insurance

Keeping Golf Cart Drivers and Owners secure in York and Hanover, PA

Owning and operating a golf cart is useful and fun. It comes with many risks however, and these risks need to be mitigated if golf cart owners and operators are to avoid significant financial losses. Insurance mitigates these risks and keeps golf care owners and operators secure. At the Jeffers Insurance Agency we deliver this insurance and have a specialized golf cart insurance program that offers far-reaching coverages. This program covers golf carts for almost any noncommercial purpose in virtually any location. 

What does Golf Cart Insurance do?

Golf carts are designed for use on golf courses and are primarily used on golf courses. However, they are also used to travel around gated communities, retirement parks, and condo complexes. The uses of golf carts, golf carts’ ages, and a host of other factors plays a role in the types of risks golf cart owners and operators face, and these risks partly determine insurance coverages, rates, limits, and deductibles. 

Coverages can be purchased as add-ons to existing business, homeowners, or auto policies or they can be purchased in a standalone policy. The best option for reach policyholder depends on his or her needs, goals, and budget. At Jeffers Insurance we will work with you to find the best options and we will align these options so that you get the right solution.  

Your coverage options include:

• Liability
• Collision
• Comprehensive
• Medical payments
• Uninsured/underinsured motorists
• Transport trailer
• Roadside assistance
• Miscellaneous
• Lifetime renewability
• Seasonal use
• Multiple drivers
• Other-than-collision

There are three general golf cart insurance options: full, liability plus comprehensive, and liability only. Full coverage protects against liability, collision, and comprehensive losses.  It also allows a policyholder to add options to a policy. Liability plus comprehensive includes theft protection for theft or damage that results from fire or weather, but it does not cover collision. Liability only insures one for nothing more than Pennsylvania liability requirements. 

It is important to consider limit and reimbursement options when creating a plan. These options help determine your rates and deductibles. An actual cash value agreement covers golf carts in the events of total loss or theft and they cover the costs of repairing or restoring carts. The right value agreement in a golf care insurance policy is important. Accessories cover equipment that one adds on to his or her golf cart; this equipment does not come from a manufacturer. Accessories are also important elements of policies because accessories play large roles in the uses of golf carts. 

Golf cart insurance protects owners, drivers, passengers, and vehicles against damages that result from any of a wide variety of exposures. These exposures include accidents, theft, weather incidents, and fire. Some golf carts run on gas and some run on electricity. Power sources influence the type of coverage one needs in a golf cart insurance policy, but the policy will be complete regardless of this coverage. Endorsements can be added to a policy to ensure this.  In additional to being complete, a golf cart insurance policy must be optimal. We will find the right mix of coverage and cost to ensure that your policy is optimal. Optimality dictates that a policy is broad, flexible, and affordable. 

Working with Jeffers Insurance to find a Solution

Golf carts are not complex or complicated vehicles, and their uses, although diverse, are not complex or complicated either. Finding insurance that covers golf carts is therefore not difficult as long as one has information and knowledge necessary to make sound insurance decisions. At Jeffers Insurance we’ve been insuring golf carts and golf cart owners for decades and we know the best ways to find the right solutions.  We can help you find the solution that fits you best.

We manage risk and claims, so you will be able to reduce exposures and diminish the likelihood that exposures translate into damages. You will also have advocacy and assistance achieving suitable resolutions, if and when claims are filed.