Golf Cart

Golf Cart Insurance in Florida

Florida living often comes with sunshine, palm trees, and golf carts.
Whether you're cruising through your gated community, headed to the beach, or hitting the course, golf carts are more than just for golf around here. And while they may seem low risk, they come with real responsibilities and risks when used off the green. That’s where golf cart insurance comes in.

At Ted Todd Insurance, we’ll help you find the right coverage whether your cart is street-legal or just for community use. We work with top carriers that understand Florida’s unique rules, so you stay protected without overpaying.

Why Do You Need Golf Cart Insurance in Florida?

Golf carts may not go fast, but accidents, theft, or liability claims can still happen. Florida law may not always require insurance but HOAs, local ordinances, and common sense often do.
Here’s when insurance becomes especially important:

• Your golf cart is street-legal (LSV or NEV) and used on public roads
• You drive in a golf cart-friendly community or retirement village
• You transport passengers (grandkids, friends, neighbors)
• You’ve invested in a custom or high-end cart

What Does Golf Cart Insurance Cover?

Golf cart policies can work similarly to auto insurance with key protections depending on how and where you drive.

• Liability Coverage
  Helps pay for injuries or property damage if you cause an accident. This is essential if you drive your cart in shared or public spaces.
• Comprehensive & Collision
  Covers repairs or replacement if your golf cart is damaged in a crash, stolen, vandalized, or affected by weather events like hurricanes. Especially valuable for custom carts or those stored outdoors.
• Medical Payments (Med Pay)
  Covers medical expenses for you or your passengers after an accident, regardless of fault. A helpful layer of protection for retirement communities and family use.
• Uninsured/Underinsured Motorist (UM/UIM)
  If you're hit by someone without insurance, this coverage helps with injuries and expenses they can’t pay. This is especially important on shared roads or in high-traffic communities.
• Accessories & Custom Parts Coverage
  Have upgrades like a lift kit, Bluetooth speaker system, or special paint job? These customizations might not be covered by default. This add-on helps protect what makes your cart yours.