Golf carts have become a popular mode of transportation for residents in small towns due to their cost efficiency and convenience. Driving a golf cart a few blocks is often more practical than using a car. However, it’s essential to understand the insurance laws in Arlington, TX, and determine the type of coverage you need.
Insurance Mandates
Texas does not have a statewide law requiring golf carts to be insured. Instead, local cities and towns set their own regulations. In Arlington, TX, golf carts driven on public roads are required to have a minimum level of liability insurance to cover potential accidents.
Homeowners’ Insurance
Many homeowners include their golf carts under their homeowners’ insurance policies. This type of coverage typically protects against accidents on your property or damage caused by natural disasters. However, homeowners’ insurance coverage for golf carts does not extend beyond your property line.
Insurance for Golf Carts
Recreational insurance is a better option for golf cart owners. This type of coverage follows your golf cart wherever it goes, including public roads and highways. Opting for recreational insurance instead of adding your golf cart to your homeowners’ policy may also lower your monthly premium.
Recreational insurance generally provides liability coverage. Insurance agents at companies like InsPeak can review state requirements to ensure your policy meets them, including liability coverage for accidents.
Many recreational policies allow policyholders to upgrade their coverage, similar to car insurance. Comprehensive policies can provide additional protection, including coverage for upgrades to your golf cart. Collision coverage offers financial protection if your golf cart is damaged in an accident.
At InsPeak, we specialize in various types of insurance, including recreational insurance. Our agents will work with you to ensure you get the coverage you need, even if your golf cart has expensive upgrades. Contact us today to learn more. We proudly serve the Arlington, TX, area.
