Why do you need a separate insurance policy for your golf cart?

It's simple, really. Although you can add a simple endorsement [?] Endorsement or options
An endorsement is any modification to the standard policy language or coverage. For example, the breakdown endorsement in our manufactured home program provides expanded coverage to include the mechanical or electrical failure of items such as appliances or the furnace. to your homeowners policy, doing so only covers you only when you are on your own property. If you go anywhere off-site, you need to protect yourself with a genuine golf cart policy.

Choose from three coverage levels

Full coverage

You and your golf cart are covered for liability, collision, and comprehensive losses. With full coverage you can add options to your policy.

Liability plus comprehensive

Comprehensive coverage adds protection for theft or damage to your unit resulting from causes such as a fire or weather, but not collision.

Liability only

Your cart is insured just for liability requirements of your state. Physical damage coverage is not part of your policy. Please note that passenger liability does not cover additional riders on single-passenger models.

Expand your coverage

Street use

This is especially popular in gated communities, RV/Camping parks, low speed vehicle (LSV) subdivisions, and mobile home parks.

Transport trailer

Hauling your golf cart requires a trailer. You can add physical damage coverage for a trailer designed for the transport of your insured unit. A $250 deductible applies.

Medical payments

Add $1,000 in medical payments [?] Medical payments
Included in casualty policies is coverage for medical expenses caused by an accident-related injury.It is intended to cover basic medical costs without the need to assign responsibility for the accident.The coverage amount is generally a few thousand dollars. It is separate from liability coverage. coverage. You can increase this up to $10,000.

We offer you four savings opportunities

Home ownership

Save up to 20%.

Loss free renewal

If you have no claims during the policy terms, save 3% on your first renewal and 10% each successive year.

Transferring your policy to us

If you move your policy to American Modern we give you a 10% discount for no lapse in coverage, or 5% if you have less than a 30 day lapse.

Insuring multiple units

Insure two golf carts and save 10%. Save 15% for three or more units.

The discounts available in California or your state may be different.

Flexible payment options

Option 1 -- start EZPay to automate your payments

Many customers want the convenience of monthly or quarterly automated bill payments. With EZPay, a withdrawal is made from a bank account you specify, or charged to your credit card. We let you pick the date of the month for the payment (1 to 28). Once EZPay begins, we will stop mailing invoices.

Option 2 -- pay after we send you a bill

You either can pay in full at the time you start or renew the policy, or in many states we offer installments on a 2-Pay schedule – half up-front and the balance due in 60 days – or on a 4-Pay schedule – a quarter up-front with an installment due every 60 days. A service fee applies to each installment. Pay by personal check, credit card, or bank account transfer.

Some states place limits on the payment plan schedules we can offer or the service fee. To confirm, check with your agent or call Customer Care at 800-543-2644.