If you’re a golfer and you’re happy with your homeowners policy, think again. Your homeowners insurance policy may not protect you when you hit the greens and trails. In fact, you need special currency insurance coverage for golf carts.

There is a big difference between coverage when you buy the right insurance policy. Well, you’re not going to use your golf cart inside your house to go from the dining room to the bedroom or from the kitchen to the patio. You need proper protection, especially when you’re on your wheels. Some notable cases where homeowners insurance does not protect you are

• You encounter an accident while riding in a stroller and incur medical expenses

• Your cart slides off the trailer while driving down the road

• Golf cart theft

• Your driving cart insults someone

However, applying for cart insurance coverage has answers to these concerns and, of course, peace of mind for you.

What do you expect: be rational, but there is much more available than you expect

A perfect insurance policy for your cart has much more to offer and, in fact, is designed to cover all your protection needs. Additionally, insurance service providers offer extended protection on parts of the trip, such as the stereo or headlights, by adding passengers to the policy. Some prominent types of coverage available are

• Comprehensive Insurance Coverage – This type of coverage typically protects your golf cart from all types of non-collision damage. This coverage covers losses due to theft or fire. Insurance service providers offer comprehensive coverage based on the total price of the cart, the year of manufacture, and many of those factors that govern costs.

• Collision Insurance Coverage – As the name explains, this type of coverage protects you during a loss due to a collision. This coverage is good, especially in cases like when you collide with another cart or any other object.

• Bodily Injury Liability Coverage – This type of coverage helps cover loss due to bodily injury to another person. You cannot pay for the person’s medical expenses out of pocket when you are covered by bodily injury liability insurance coverage.

• Property Damage Liability Coverage – This type of insurance coverage protects you when you are responsible for payment of loss due to an accident. Damage to the other person’s cars, home or property is covered by the coverage.

Some questions to ask your insurance agent before signing the policy

Golf cart insurance coverage is an important aspect and should be purchased carefully. Well, don’t sign any documents unless you ask your insurance agent the following questions and get satisfactory answers to them.

• What is the right medical and liability coverage for you?

• What is the maximum affordable amount you can pay in case of loss due to theft or accident?

• What discounts are available to you?

• What is the standard procedure for filing a claim?

• What is the length of time required to resolve a claim?

• What add-ons or riders are available to enhance coverage?