In Florida, golf carts aren't just for the course – they’re part of everyday life. From cruising around the neighborhood to heading to the local market, these convenient vehicles make it easy to get around. But as a homeowner, are you sure your golf cart is covered in the event of damage or an accident?
Fortunately, if you're an Edison Insurance Company policyholder, you don’t have to worry about additional costs for this protection. Edison provides free golf cart coverage as part of its homeowners insurance policy, giving you peace of mind when you need it most. What follows is everything you need to know to ensure your golf cart is properly covered.
What Does Free Golf Cart Coverage Include?
Free golf cart coverage is available to all homeowners insured by Edison Insurance, which means you don’t need to pay extra to protect your golf cart. As long as you have the correct endorsement added to your policy, you're covered for the following:
- Personal Property Coverage: Up to $5,000 to repair or replace your golf cart for theft, fire, or other covered perils.
- Personal Liability Coverage: Up to $25,000, which protects you in the event someone is injured or property is damaged due to your golf cart.
- Medical Payments: Provides up to $2,000 for medical expenses if others are injured by your golf cart, regardless of fault.
How Does Free Golf Cart Coverage Work?
When you have free golf cart coverage under your Edison homeowners policy, the protection works similarly to the coverage for your home. If your golf cart is damaged by a covered peril like a storm, or if it’s stolen from your garage or driveway, the insurance will help cover the costs of repair or replacement.
For example, if your golf cart is damaged in a hurricane or vandalized, free golf cart coverage will step in to help cover the damages.
What Do You Need to Do to Get Covered?
The good news is you don’t need to do anything special to get free golf cart coverage under your Edison homeowners policy. All you need to do is inform your insurance agent you'd like the golf cart endorsement added. Once it’s done, your golf cart will be covered for a range of potential risks.
In addition, it’s always a good idea to make sure you and your agent understand the specifics of your coverage. For example, the $5,000 of personal property coverage will help replace your golf cart if it’s stolen, but it won’t cover mechanical breakdowns or issues related to normal wear and tear.
Exclusions & Limitations to Keep in Mind
While free golf cart coverage provides solid protection, there are a few exclusions you should be aware of:
- Mechanical or electrical breakdowns: These are not covered, so if your golf cart breaks down due to mechanical issues, you'll need separate coverage.
- Normal wear and tear: Over time, all vehicles experience wear and tear. This is not covered by your homeowners policy.
- Intentional acts or misuse: If the damage is caused by intentional misuse, it won’t be covered.
- Commercial use: If you use your golf cart for business purposes, the coverage does not apply.
It’s important to understand these exclusions to ensure your golf cart is fully protected and you’re not caught off guard by any limitations in your policy.
How to Get Started with Free Golf Cart Coverage
If you haven't added the golf cart endorsement to your homeowners policy yet, don’t worry – it’s easy! Simply contact your Edison Insurance agent and let them know you want free golf cart coverage added to your policy. This simple step ensures your golf cart will be covered for a range of risks, such as theft, fire, and liability.
Even if you’ve already added golf cart coverage, it’s a good idea to review the specifics with your agent annually to make sure your coverage is up to date.
Get the Most Out of Your Free Golf Cart Coverage with Edison Insurance
Golf carts are an essential part of life in Florida, but it’s important to ensure they’re protected. Edison Insurance Company makes it easy to get free golf cart coverage for your golf cart, providing peace of mind and protecting you against common risks.
If you're unsure whether your golf cart is covered or if you'd like to learn more about your free golf cart coverage, contact your agent today. With the right coverage in place, you can enjoy your ride without worrying about unexpected costs. Not yet an Edison Insurance Company policyholder? Get a quote online now.
