You wouldn’t think that a golf cart would need insurance, but you’ll need some form of coverage if you plan on driving one on the roads of West Hartford, CT. The state’s General Assembly passed a law in 2009 allowing golf carts on local streets where the speed limit is 25 mph or lower. All you need is to be a licensed driver and have your golf cart protected with some form of insurance coverage.

Golf carts and other low-speed vehicles (LSVs) have gained popularity in many communities and a few have even designed themselves around these vehicles. If you’ve already found recreational insurance coverage thanks to the experts at ALLConnecticut Insurance, you’re probably wondering if it can cover your golf cart.

Golf Cart Coverage Options

You can cover your golf cart with an endorsement to your homeowner’s insurance policy, but it’s only valid as long as you’re riding on your own property. Once you hit the city streets, you’ll need coverage that’ll protect you in case anything happens on the road. Unfortunately, most auto insurance policies don’t cover golf carts or other recreational vehicles, for that matter.

Recreational insurance can cover a wide variety of vehicles that normally wouldn’t be covered under your current auto or homeowner’s insurance policy, including ATVs, RV campers and yes, even your golf cart. By putting your golf cart under your recreational insurance policy, you’ll have the coverage needed to protect yourself and others in case the unexpected happens.

Some insurance providers even offer standalone golf cart insurance policies. It’s worth exploring one of these policies if you haven’t yet opted for recreational insurance.

If you can’t wait to ride around West Hartford, CT, get the right coverage from ALLConnecticut Insurance first. Contact us for all of your insurance needs.

Most people understand the basic need for insurance policies to protect various aspects of their life and to protect their family in the event of an emergency. However, not everyone knows about Umbrella Insurance and the additional insurance available to them. At ALLConnecticut Insurance we want all of our West Hartford, CT clients to fully understand all of their insurance options to make sure that each of you are fully covered and protected in any situation that arises. 

Who Can Purchase Umbrella Insurance?

Anyone can add umbrella insurance to their insurance policy if they want additional coverage. Many people do not know about it, or they do not understand the simplicity of adding additional coverage but the option is there for any Connecticut resident with insurance. 

What Does It Cover?

Umbrella insurance covers additional costs that your other insurance policy does not reach. For example, if you are in a car accident and your car insurance covers a chunk of the fees and reparation you may be left with some bills after the dust settles. If you previously purchased an umbrella policy on your car then this policy will likely make the difference, depending on the terms. Not all people need additional coverage, but if you have additional risk, like driving more than others then it is a good idea. Other uses of umbrella insurance include adding it to your homeowner’s insurance in case of an event or loss that is specific to you but not written in a typical insurance policy, or adding to your current policy if you are a public figure who may be at risk of litigation. 

Contact us to discuss your insurance needs and to make sure you are fully protected, no matter your unique situation. We serve West Hartford, CT and the surrounding areas with quality insurance services for every aspect of your life. Call us at AllConnecticut Insurance today!