Hendrickson Insurance
Hendrickson Insurance
Florida golf cart insurance from Hendrickson Insurance for retirement communities, gated communities, and Gulf Coast neighborhoods across Sarasota, Lakewood Ranch, Venice, Bradenton, Tampa, St. Petersburg, and Clearwater. Most Florida homeowners policies exclude golf cart coverage the moment the cart leaves your driveway. We insure golf carts and LSVs only as part of a full personal account, alongside the home or second home we write for you. We do not write standalone golf cart policies.
"My homeowners covers my golf cart." Not once it leaves your driveway. Florida HO policies almost always exclude off-premises golf cart use.
Bodily injury or property damage you cause while driving the cart. Critical given most cart accidents involve other carts, pedestrians, or property. Standard limits $100K to $500K, higher available.
Theft, vandalism, collision damage, and weather damage to the cart itself. Many Florida carts are valued $8K to $20K+, and standard homeowners coverage doesn't apply off premises.
Medical expenses for you and your passengers regardless of fault. Important for any cart carrying multiple people.
Coverage if hit by another cart or vehicle whose owner has no insurance. Especially relevant in retirement communities where uninsured carts are common.
Usually not. Most Florida homeowners policies give a golf cart limited coverage only while it is on your own property. The moment the cart leaves your lot, driving through the community, running to the mailbox, visiting a neighbor, that coverage stops, and it almost never covers injury to someone else. In a golf cart community that is exactly when you are exposed. A separate golf cart policy fills the gap: liability if you hit someone or their property, plus physical damage to a cart that can be worth $8,000 to $20,000 or more.
If you drive on public roads or in a community with private roads, yes. A street-legal low-speed vehicle (LSV) must be registered and insured like a car. A standard golf cart driven on community roads still carries real liability, and your homeowners policy will not answer for it off premises. For our home clients in Sarasota, Lakewood Ranch, Venice, and the gated communities across the Gulf Coast, we add the cart to the account.
Call 941-957-2796 and we will tell you exactly what your cart needs.
Homeowners covers golf carts on premises but excludes off-premises use; this fills that gap.
02 / Related CoverageLSVs (street-legal carts) overlap with auto coverage in some Florida communities.
03 / Related CoverageMost umbrellas can extend to listed golf carts.
Usually not for damage off the premises, and almost never for injury to others. Most Florida homeowners policies provide limited golf cart coverage only on the insured premises. The moment the cart leaves your property (driving through your community, going to the mailbox down the street, visiting a neighbor), most homeowners coverage stops applying. A separate golf cart policy fills this gap.
A standard golf cart is limited to 15 mph and is typically restricted to private community streets and golf courses. A Low Speed Vehicle (LSV) is street legal up to 25 mph and can be driven on most roads with speed limits of 35 mph or less. LSVs in Florida require a title, registration, license plate, and insurance just like a car. Golf carts typically don't, but should still carry their own policy.
We quote golf carts only together with your home or second home. Start your home quote and add the cart there, or call 941-957-2796.
Golf carts are quoted with your home, not on their own. Call 941-957-2796 or schedule online.
Dennis Hendrickson changed a New Jersey state tennis rule at 17 and played four years of Division I tennis at UNC Charlotte. Today he writes both the commercial and the personal insurance for Gulf Coast owners himself, and he works a renewal or a claim the way he played: nothing conceded, no point given away.
When you apply, he answers. Every application goes straight to Dennis. He reads it himself and responds the same business day in most cases, always within 48 hours.
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