Golf carts are a great way to make that round of golf more enjoyable, (and quicker!). But does your insurance policy cover your golf cart in case something happens on the course? What about when you’re driving to or from the clubhouse? Are there other rules or laws to take into consideration?

First, Iowa law (Iowa Code 321.247) states that operating golf carts on city streets is up to the local city government, and the carts cannot be driven on a main thoroughfare. Also, the carts must have a slow moving vehicle sign and a bike flag, along with any other rules set forth by the local government. Check with your city staff or police to determine what is or isn’t allowed in your community.

As for the insurance aspect… Most homeowner’s policies offer coverage for the golf cart, assuming it is being used for golfing purposes. Therefore, if you park your cart at home, you would have coverage from the time you leave your driveway to the time you return, assuming you are driving straight to the course to golf and returning home. If you are going to the clubhouse for a meal, or take a detour to the gas station to grab a gallon of milk on your way home, your policy may not cover a claim.

If your community allows golf carts be driven on city streets, you may have to either add your golf cart to your auto policy, or consider a recreational vehicle policy. Each company is a little different on what they will cover and how they will cover golf carts, so it’s best to talk with your agent to see what the best options are.

Each insurance policy is unique. While some generalities can be made, each situation should be reviewed on a case-by-case basis. This is not considered advice on any specific insurance matter. Please contact an agent to discuss any concerns you may have.