Golf Cart Insurance

Stay Protected On and Off the Course

Golf carts aren’t just for the fairway anymore — they’re used in communities, neighborhoods, and even on public roads throughout Delaware, Maryland, and Pennsylvania. Whether you’re cruising through a golf course, campground, or coastal town, golf cart insurance helps protect your ride from accidents, theft, and liability.

At Downes Insurance, we offer affordable, reliable golf cart insurance policies that are tailored to how and where you drive.

What Does Golf Cart Insurance Cover?

Your golf cart insurance policy may include:

Collision Coverage – Damage to your cart from an accident
Comprehensive Coverage – Theft, vandalism, fire, or weather damage
Liability Insurance – Injury or property damage you cause to others
Medical Payments – Help with medical bills if you're hurt while using your cart
Uninsured Motorist – Protection if you're hit by someone without insurance

While some homeowners policies offer limited coverage, they typically don’t cover off-property use or road travel. A separate golf cart insurance policy ensures you’re fully protected.

Do You Need Golf Cart Insurance?

If any of these apply, you probably do:

You drive your golf cart on public roads or in golf cart–friendly communities
You live in a beach town, resort, retirement, or planned neighborhood
Your community or HOA requires proof of insurance
You want to protect your cart from theft or accidents

Why Choose Downes Insurance?

✅ Local & Independent – Serving DE, MD & PA with personalized attention
✅ Top-Rated Carriers – We compare options to find the best price
✅ Custom Coverage – Tailored to your usage and community guidelines
✅ Fast Quotes – Get insured quickly, with no pressure

“Downes Insurance helped us get exactly what we needed for our golf cart. Affordable, easy, and great service. We use it around the neighborhood and at the beach, and now we’re fully covered.”
— Tina M., Ocean Pines, MD

FAQs About Golf Cart Insurance

Is golf cart insurance required?
It depends on how and where you use it. If you drive on public roads or in communities that allow or require golf carts, insurance is often mandatory.

Will homeowners insurance cover my golf cart?
Only in limited ways — typically while it’s on your property. If you drive off-property or on streets, a standalone policy is best.

Can I bundle it with home or auto insurance?
Yes! We often bundle golf cart insurance with auto or home for better rates and convenience.