If you’re like me, you love the freedom and convenience that comes with having your own golf cart at the campground.
But have you ever thought about what would happen if your golf cart got damaged or stolen while you’re on vacation? It’s a scary thought, right?
That’s why I want to share my personal experience and knowledge about golf cart insurance for campgrounds.
I’ve been a golf cart owner for several years now and have learned a lot about the insurance side of things the hard way.
So, I want to help you avoid any unnecessary stress and protect your investment by sharing what I’ve learned.
Top 5 Golf Cart Insurance for Campgrounds
Here are the top 5 golf cart insurance for campgrounds:
1. Nationwide
Nationwide offers liability coverage for golf carts used at campgrounds, RV parks, and other recreational facilities. They also offer optional coverage for collision and comprehensive.
If you want to compare budget-friendly insurance options, check out this article on the Cheapest Golf Cart Insurance.
2. Explorer RV
Explorer RV has access to nearly every type of specialized recreational vehicle insurance, including your golf carts, ensuring you the protection of your treasured investment – plus the experience to steer you away from unnecessary or duplicate coverages that waste your money.
3. American Modern Insurance Group
American Modern Insurance Group offers specialized insurance for golf carts used on campgrounds and other recreational properties.
This is one of the Golf Cart Insurance For Campgrounds because their policies include liability coverage, collision coverage, and comprehensive coverage.
They also offer coverage for medical expenses and uninsured/underinsured motorist coverage. They may have options for customized coverage as per customer requirements.
4. Markel American Insurance Company
Markel American Insurance Company offers specialized insurance for golf carts used on campgrounds and other recreational properties.
They provide liability coverage, collision coverage, and comprehensive coverage.
They also offer coverage for medical expenses and uninsured/underinsured motorist coverage. They may have options for customized coverage as per customer requirements.
5. Foremost Insurance Group
Foremost Insurance Group offers specialized insurance for golf carts used on campgrounds, RV parks, and other recreational facilities.
They provide liability coverage, collision coverage, and comprehensive coverage. They also offer coverage for medical expenses and uninsured/underinsured motorist coverage.
They may have options for golf carts used on campgrounds and other recreational properties and coverage per customer requirements.
6. State Farm
State Farm offers insurance for golf carts used on campgrounds and other recreational properties and coverage for personal golf carts.
Their policies include liability coverage, collision coverage, and comprehensive coverage.
They also offer coverage for medical expenses and uninsured/ underinsured motorist coverage. They may have options for customized coverage as per customer requirement
Comparison Table for Insurance Campgrounds
The table below compares the Best Golf cart insurance for campgrounds:
| Insurer | Coverage Options | Rating |
|---|---|---|
| Progressive Insurance Company | Liability coverage Comprehensive and Collision coverage Rental car coverage Uninsured and underinsured motorists’ insurance Medical payments Rideshare coverage Coverage for pet injuries Roadside assistance Coverage for golf cart, boat, dental RV Insurance Accident forgiveness Gap coverage | Third largest personal auto insurer |
| Auto-Owners Insurance Company | Liability coverage Comprehensive and Collision coverage Rental car coverage Uninsured and underinsured motorists bodily injury Diminished value coverage Additional expenses coverage Insurance for ATV and off road vehicles, boats, etc. Umbrella Insurance RV Insurance Accident forgiveness Gap coverage | High customer satisfaction |
| National General Insurance Company | Comprehensive and Collision coverage Recreational vehicle insurance RV Insurance Flood Insurance Health insurance Liability coverage Roadside assistance Rental reimbursement Accidental death and dismemberment coverage | Lower customer satisfaction and higher rates |
| Nationwide Insurance Company | liability coverage comprehensive and collision coverage uninsured/underinsured motorist insurance medical payments RV insurance Accident forgiveness Gap coverage Rental car/transportation reimbursement Roadside assistance Insurance for golf carts | High-quality car insurance policy |
| Geico Insurance Company | Uninsured motorists coverage Liability coverage Comprehensive and collision coverage RV Insurance Insurance for boats, ATVs, golf carts, etc. Pet insurance Rental reimbursement Cyber liability | Above-average customer satisfaction |
| Explorer Insurance Company | Liability protection coverage Full-timer’s coverage Total loss replacement Awning replacement Personal effects coverage Roadside assistance Vacation campsite liability protection RV Insurance Comprehensive and collision coverage Uninsured/underinsured motorist coverage | Low customer satisfaction |
| State Farm | Liability coverage collision and comprehensive coverage. uninsured/underinsured motorist coverage medical insurance Insurance for golf carts. RV insurance Rental car coverage | Second best in car insurance |
| Foremost Insurance Company | liability coverage collision comprehensive coverage. medical coverage uninsured/underinsured motorist coverage RV Insurance insurance for golf carts Roadside assistance Flood coverage Optional replacement cost coverage | Great roadside assistance |
How to Choose the Best Golf Cart Insurance Policy for Campground Usage?
When choosing a golf cart insurance policy for campground usage, consider the following factors:
1. Coverage
Ensure that the policy covers liability and physical damage to your golf cart and any personal injury that may occur while operating it.
2. Deductibles
Consider the deductible options and choose the best fit for your budget and needs.
3. Limitations and Exclusions
Review the policy to understand any limitations or exclusions that may affect your coverage
Price: Compare quotes from different insurance providers to get the best coverage for the price.
4. The Reputation of The Insurance Company
Choose an insurance company with a good reputation and financial stability.
5. Customer Service
Consider the level of customer service offered by the insurance company and choose one that is responsive and helpful.
6. Claims Process
Choose a policy with a straightforward and efficient claims process in case you need to file a claim in the future.
Adding Golf Cart to Insurance
To add a golf cart to your insurance, you will need to contact your insurance company.
They will likely ask for the make, model, and year of the golf cart, as well as how it will be used (e.g. for personal or commercial use).
The insurance company may also ask about any modifications that have been made to the golf cart. Based on this information, they can provide you with a quote for coverage.
Do I Need a Separate Insurance Policy for Campground
Yes, You need a separate insurance policy for campgrounds if the insurance company covering your golf cart doesn’t provide coverage for campgrounds.
Golf Cart Friendly Campgrounds
Here are some golf cart-friendly campgrounds:
1. Sunny Sands RV Resort (Myrtle Beach, SC)
This RV resort offers golf carts for rent, or guests can bring their own. Speed limit signs are posted throughout the resort, and golf carts must be driven responsibly and safely.
2. Ocean Lakes Family Campground (Myrtle Beach, SC)
Ocean Lakes has many golf carts on site and encourages guests to use them for transportation within the campground. They also offer golf carts for rent to guests who do not have their own.
3. Orange Lake Resorts (Kissimmee, FL)
This resort is golf cart-friendly and has rental carts available for guests who don’t have their own. The resort has designated golf cart roads, and guests must follow posted speed limits for safety.
4. Wildwood RV Resort (Lancaster, PA)
Wildwood RV Resort has a variety of rental golf carts available and encourages their use for transportation within the campground. Speed limit signs are posted, and guests must drive golf carts responsibly and safely.
5. Yogi Bear’s Jellystone Park Camp-Resort (various locations)
Many Jellystone Park locations offer golf cart rentals and allow guests to bring their carts. There are usually designated golf cart roads and speed limit signs posted for safety.
Campground-Specific Exclusions and Restrictions
Below are the specific restrictions and exclusions that apply to golf carts on the campground:
- All golf cart drivers must not be below 21 years of age.
- All golf carts must have a certificate of insurance.
- Only licensed drivers should operate the cart.
- A golf cart can contain only two persons at a time.
- Golf carts should not be driven after nightfall without headlights to ensure the safety of campers and property.
Will My Auto Insurance Cover Damages to My Golf Cart in A Campground?
No, you will need to have separate insurance for your golf cart.
Are Any Restrictions on Who Can Operate a Golf Cart in A Campground?
Yes, persons below 21 years cannot operate a golf cart on campgrounds.
What Happens if My Golf Cart Damages Someone Else’s Property in A Campground?
Suppose the golf cart’s operation does damage to another person’s property. In that case, the cart’s owner will be liable, or if the cart has insurance, the insurance company will be liable.
Do Golf Courses Have Insurance on Golf Carts?
No, they don’t. They only have to insure golf carts if used on the road.
If you ever find yourself on anna maria island, you can always check out my article on Cheapest Golf Cart Rental Anna Maria Island.
FAQs for Golf Cart Insurance for Campgrounds
Here are some frequently asked questions about Golf Cart Insurance For Campgrounds:
Are Golf Carts Considered Vehicles and Require Insurance?
Yes, golf carts are considered vehicles and require insurance.
What Type of Insurance Do I Need for My Golf Cart in A Campground?
You need golf cart insurance on a campground
Do You Need Insurance on A Golf Cart in California
You don’t need insurance on your golf cart in California if it doesn’t carry more than 2 persons, the driver included, doesn’t weigh up to or more than 1,300 pounds, and goes 15 mph or less.
Conclusion
The use of golf carts as a means of transportation on Campgrounds has become widespread. It is, therefore, necessary to provide adequate insurance for golf carts to cover resultant liabilities.
This article guides you in choosing the best insurer for golf cart insurance for campgrounds and provides basic information on the use of golf carts in campgrounds.
