Golf carts have become a way of life. They’re energy-efficient and inexpensive alternatives to standard vehicles. However, golf cart-related injuries increased dramatically over the past several years. Even with low top speeds, just one small mishap will end you up footing the bill. Whether or not you are required to carry coverage, accidents are always possible and it’s best to make sure you are covered before you get behind the wheel. No matter the case, you need to protect yourself with a genuine golf cart policy. The question is, is a golf cart covered under a homeowners’ policy? If you drive your golf cart within your property, the answer is yes. But, it has limited coverage. If you drive your golf cart to and from the club or take a tour on your retirement community, you need insurance coverage beyond what your homeowner’s policy provides. A homeowners insurance policy may not provide coverage, or may not provide the coverage you want. However, with an exclusive stand-alone golf cart insurance, you don’t have to worry about a lack of coverage. Thus, having a separate golf cart policy can address this lack of coverage.