Golf Cart Insurance For Campgrounds

Golf Cart Insurance For Campgrounds: Top 5 Costs Compared

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

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:

InsurerCoverage 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 FarmLiability 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?

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.

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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.

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