what we do
Florida Golf Cart Insurance for Community Living
When a Golf Cart Becomes More Than a Toy
In many Florida communities, golf carts aren’t just for the course — they’re a convenient way to get around the neighborhood. While insurance may not be required for carts used strictly on private property, coverage is required for street-legal golf carts and low-speed vehicles (LSVs) driven on public roads. Even when it’s not legally required, having golf cart insurance helps protect you from liability, property damage, and unexpected accidents.
What Does Golf Cart Insurance Cover?
Golf Cart Liability Coverage
Helps protect you if you injure someone or damage property while operating your golf cart — whether in your community or on approved roadways.
Collision Coverage
Covers damage to your golf cart if it’s involved in an accident with another vehicle, object, or obstacle.
Comprehensive Coverage
Protects against non-collision losses such as theft, vandalism, fire, or storm damage.
Uninsured / Underinsured Motorist Coverage
Provides protection if you’re hit by a driver who doesn’t carry adequate insurance — an important consideration even at low speeds.
Custom Parts & Accessories Coverage
Covers upgrades like lights, windshields, enclosures, sound systems, and other modifications common on street-legal carts.
Coverage Designed for Florida Communities
Florida has more golf cart–friendly communities than almost anywhere else in the country. From Jupiter and Palm Beach Gardens to large retirement and resort communities across the state, golf carts are part of everyday life. While some homeowners policies offer limited coverage for golf carts used only on the insured property, they usually don’t cover road use or liability away from home. We help you determine when a standalone golf cart policy or low-speed vehicle (LSV) policy is the right choice.
Our Process
1
Confirm how and where your golf cart is used
2
Determine if it qualifies as a street-legal LSV
3
Select liability and damage coverage levels
4
Compare options from multiple Florida carriers
Do You Need Golf Cart Insurance
in Florida?
The table below explains when insurance is required and when it’s simply smart to have.
| Golf Cart Use | Insurance Required? | Why Coverage Matters |
|---|---|---|
| Private Property Only | Not required | Liability still applies if someone is injured |
| Gated Communities | Often recommended | Accidents can still result in lawsuits |
| Street-Legal / LSV | Yes | Required to operate on public roads |
| Modified or Custom Carts | Strongly recommended | Protects upgrades and added value |
Not sure how your cart is classified? We’ll help you figure it out.
Common Questions About Florida Golf Cart Insurance
Do you need insurance on a golf cart in Florida?
If your golf cart is street-legal or registered as a low-speed vehicle (LSV), insurance is required. Otherwise, it’s optional but highly recommended.
What does golf cart insurance cover?
Coverage can include liability, collision, comprehensive, uninsured motorist, and protection for custom accessories.
Can my homeowners insurance cover my golf cart?
Some homeowners policies offer limited coverage, usually only on the insured property. Road use and liability away from home typically require a separate policy.
How can I insure a street-legal golf cart?
Street-legal carts require an LSV policy similar to auto insurance. We’ll help ensure it meets Florida requirements.
Is golf cart insurance expensive?
Golf cart insurance is often very affordable, especially when bundled with other policies.
Protect Your Ride and Your Community
Whether you use your golf cart for neighborhood errands or drive a street-legal LSV, Florida golf cart insurance helps keep you protected. Our Jupiter-based team proudly serves communities across Florida & Beyond with simple guidance and affordable options.
1
What we believe
We stand for beauty that feels real and shows real results.
We choose thoughtful over rushed. Intentional over trendy. Real over filtered. We believe in confidence that isn’t loud but is undeniable.
2
What we try to deliver
A skin that feels like home, and in a version of beauty that is deeply yours.
We use organic, dermatologically tested products to deliver impactful treatments that are safe and healthy for your body.
