In southwest Florida, golf carts are a great, sustainable way to cruise the course, enjoy your community, or simply joyride (safely, of course!). Having a golf cart, however, is its own separate entity when it comes to your insurance. Many people assume that golf carts are covered under Home or Auto Insurance, but this is not always the case.

At East & Greenwell, you and your family’s protection are our number one priority. It is our goal to be transparent so you don’t have to dig for information. Golf carts are one of the areas where many people assume they’re insured.

If you live in a community, be aware of the rules. Many local communities like Pelican Preserve in Fort Myers require Homeowners to have golf cart insurance. It is an inexpensive cost that will help in the event of an emergency or accident. In fact, most golf cart policies are under $70 per year.

Check with your community today and don’t forget to give us a call! An agent will meet with you to review your options and explore different policies that will provide additional coverage. Stay safe out on the road.


1. What is golf cart insurance?

While it may be a smooth ride, golf carts are still vehicles and can inflict bodily harm or property damage. You wouldn’t want an unfortunate situation to lead to a potential liability claim that could impact your Homeowners Insurance. Golf cart insurance is a smart, responsible investment for those looking to stay safe.

2. I accidentally hit my neighbors mailbox! Am I covered?

If you’re found legally responsible for an accident that damages another person’s property, property damage liability coverage may help you repair the damage to another person’s house.

3. I was driving my golf cart and got into an accident involving another person. What do I do?

There is nothing scarier than being involved in an accident. If you are involved in an accident that inflicts bodily harm on another person, bodily injury liability coverage may help you cover the costs of the other person’s hospital bills and related medical expenses.

4. My golf cart was involved in a collisions with another vehicle. Am I covered?

If you are involved in a collision with another vehicle or object, collision coverage may help you through repairs.

5. Am I covered if my golf cart is stolen?

Your golf cart can be covered in the event of the unexpected. Comprehensive coverage includes all those unfortunate incidents such as fire, theft, hail, etc. Count on comprehensive coverage to cover you when life gives you lemons!