It’s that time of year! Although golf is a popular sport year-round in warmer parts of the country, it is now prime golfing season all across the country. We can offer you excellent service by offering extra coverage for your golfing equipment. A scheduled personal property endorsement can cover golf clubs, golf clothing and other golf equipment. Although these items would otherwise fall under Coverage C Personal Property of your Homeowner policy, adding golf equipment to a schedule provides open peril coverage and avoids the deductible that applies to your Personal Property.
Some avid golf-loving customers may even own a golf cart. If not, chances are they will take advantage of using one provided by a golf course. Homeowner policy coverage for golf carts can be a bit confusing since it varies based on whether or not the golf cart is owned or non-owned. For more details, you can refer to your policy contract, endorsements, or contact me and my staff at SentryWest Insurance.
For coverage needs that fall outside of the protection available under a Homeowner policy, coverage may be available under an auto policy. Non-registered golf carts (those not licensed for road use) can be covered for liability, other than collision and collision. Registered golf carts (those licensed for road use) can be covered for liability, medical payments, UM/UIM, other than collision and collision. This might be appropriate for an owned golf cart that is used on public roads in a vacation area.
While the above information provides a good summary of golf cart coverage, please remember that there are additional guidelines and exclusions that may apply. For example, an owned golf cart must be designed to carry a maximum of 4 people and not exceed 25 miles per hour. Activities such as racing or rental to others are excluded. Please refer to the actual endorsement and homeowners contract for full details.
Jon Jepsen, CIC