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. A separate policy is the answer.
"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.
Expanded content covering LSV registration in Florida, community-specific carrier requirements, Lakewood Ranch and Venice-specific underwriting, custom electric carts, and lithium battery coverage is coming. In the meantime, call 941-952-7991 for a quote.
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.
Call 941-952-7991 or schedule online. Same-day quotes for most carts.