Should You Insure A Golf Cart?

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Golf Cart Insurance

Golf carts aren’t just used for the golf course. Many people use as an easy transportation around their neighborhood.

Depending what state you live in, insurance for your golf cart is either required or optional. Golf cart insurance is going to provide you with the best coverage versus simply relying on your home insurance policy for coverage. Home insurance can also deny coverage if you get into an accident or injure someone away from your property.

What protection does golf cart insurance provide you?

Similar to car insurance, golf cart insurance can provide you with a wide variety of protection.

Property damage liability – if you damage someone’s property with your golf cart, this can pay for the damage.

Bodily injury liability – if you injure someone who is not a passenger with your golf cart, this can pay for the medical bills.

Guest Passenger liability – if you injure your guest passenger who is riding with you, this may pay for medical expenses.

Collision insurance – this coverage can pay for any damage you cause to your golf cart if you get into a collision with another object.

Comprehensive insurance – this can provide coverage if something happens to your golf cart such as fire damage, theft or any other event that causes damage.

Uninsured motorist coverage – this coverage helps pay for damage on accidents where you are not at fault. If you get into an accident with someone else who is at fault, but that person doesn’t have insurance or doesn’t have enough insurance to cover the damage, uninsured motorist coverage may kick in.

Medical payments – this can provide coverage for medical bills related to you and your guest passengers regardless who is at fault for the accident.

Frequently Asked Questions about Golf Cart Insurance –

I have a home and auto insurance policy, if I choose not to buy a golf cart insurance policy, am I covered by my other insurance policies?

Auto insurance rarely provides coverage for golf carts. Your home insurance may provide some coverage for your golf cart, but only if you have a claim that occurs on your property. We don’t recommend relying on this coverage because it can be minimal. Talk to an agent in our office about what your home insurance could cover. If you get into an accident away from your property, most likely your home insurance will deny any coverage.

Is golf cart insurance affordable?

Definitely! Insurance premiums vary based off of what coverage you want to purchase. If you want to purchase all the coverage options above, your cost will be more versus just purchasing liability insurance.

Other factors that play a role in your premium – your driving history, your vehicle, if you wish to pay yearly or monthly or taking a safety course.

Call our agency for a free insurance quote! If you have other policies, we can bundle with your current insurance carrier to provide you with additional discounts.

Home Theft Protection in Bremerton, Washington

My Home was Burglarized and Valuables were Stolen, Am I Covered By My Home Insurance?

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Home Theft Protection in Bremerton, WashingtonLike car theft, many cities and communities throughout the United States have seen an increase in home burglaries. If your home is ever burglarized, it is important to understand your home or renter’s insurance coverage.

Home insurance can provide you with coverage for replacement if you have valuables stolen from your home. In insurance terms, this is known as personal property coverage. Coverage varies depending on your policy limits and your deductible.

A Claim is Processed on Actual Cash Value or Replacement Value for Stolen Valuables

It is important to note that covered claims are processed based off your policy verbiage. Often policy holders believe valuables that were stolen from their home will be reimbursed at the same price as what they paid for it. This is not always the case.

Actual Cash Value – Actual cash value is the amount you paid for the item, minus depreciation at the time of your insurance claim. The insurance carrier reimburses you simply off what this specific item costs today. In most situations, insurance adjusters will determine the price of reimbursement is less than what you originally paid. Depreciation is broken down by wear and tear or the age of the item. 

Replacement Value – Replacement value is the amount you paid for the item. It does not factor in depreciation. In a covered claim, an insurance adjuster will reimburse or replace an item similar to what was stolen at today’s price.

Choosing what coverage, you prefer for your policy is up to you. Actual cash value coverage tends to offer a more affordable insurance premium but does offer a little less coverage. Replacement value offers more coverage but increases your insurance premium.

Are all items in your home covered under personal property coverage?

Certain high price items should be covered under a policy rider.

This is separate from personal property coverage. Items such as wedding or engagement rings, other valuable jewelry, fine art, as well as equipment such as high price cameras, bicycles, musical instruments, firearms, or any other valuables you consider high price.

Contact an agent in our office to discuss if you need specific items in your home on a policy rider. It’s important to have separate coverage for these items because home insurance policies do have policy limits. If a high price valuable was stolen from your home, you may be underinsured. Therefore, your home or renters insurance policy could not provide you with proper replacement for your valuable.

Have Questions about Your Home or Renters Insurance Policy?

Our agents are here to answer your questions and ensure you understand your insurance coverage. Contact us for a home or renters insurance policy review.

Insurance coverage and car theft in Bremerton, Washington

Car Theft – Am I Covered?

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Insurance coverage and car theft in Bremerton, WashingtonWhen a person thinks about car theft, there are a few scenarios to imagine such as personal property items stolen out of your vehicle, car parts stolen from your vehicle, or your car was physically stolen and couldn’t be recovered.

So, the question is, are you covered if you experience any of the following theft scenarios? The answer varies based on what type of auto insurance coverage you purchased.

Comprehensive coverage on your auto insurance policy typically provides coverage if your car was stolen (and was never recovered) or if you had car parts stolen out of your vehicle. If you do not have this coverage on your auto insurance policy, your insurance carrier cannot offer you any assistance.

Common Car Parts Targeted in Vehicles Recently

The past few years, thieves have been targeting catalytic converters in vehicles. This car part not only has precious metals that makes it valuable to re-sell, but catalytic converters can be easy to steal due to its location in a vehicle. Also, some vehicles tend to be easier to target this parts than others along with some being more valuable parts than others. The best tip here would be to park your car in a well-lit area.

If you had your catalytic converter stolen from your vehicle and you had comprehensive coverage on your auto insurance policy, you should be covered by your insurance policy.

My Car was Stolen – But It Has Been Recovered Vandalized

Vandalism is included with comprehensive coverage and should pay for the damages up to your policy limits, less your deductible.

I had personal valuables stolen out of my vehicle – am I covered?

Your auto insurance policy does not offer coverage for stolen personal property items that were taken from inside your car. However, you could file a claim under your home or renters insurance policy.

Thinking of investing in a car alarm system? Talk to your insurance agent to see if you qualify for a discount. Not only do car alarms offer some peace of mind, but you could be rewarded with an insurance discount too.

How to Prevent Car Break-ins

There is only one way to prevent personal property theft out of your vehicle – never leave anything in your vehicle!

Sometimes this is easier said than done.

If you do have to store valuables inside your vehicle, be sure they are out of sight. Investing a car alarm can also bring some peace of mind. It’s also important to know the area where you are parking your vehicle. If it is known for break-ins, always plan on bring your valuables along with you.

Looking to Add Comprehensive Coverage to Your Current Auto Insurance Policy?

Call our agency for a free quote. We can review your current auto insurance coverage or provide you with a new quote that includes comprehensive coverage. We’ll quote our top carriers and help you find the best policy for your needs.