If you live in Florida and own a street legal golf cart, you are required to have golf cart insurance. There are many insurance companies that offer golf cart insurance in Florida, so be sure to shop around and get the best rate.
Golf cart insurance typically covers liability, collision, and comprehensive coverage. Liability coverage protects you if you are at fault in an accident and someone is injured or their property is damaged. Collision coverage pays for damages to your golf cart if it is involved in an accident. Comprehensive coverage pays for damages to your golf cart if it is stolen or damaged by something other than an accident, such as fire, vandalism, or weather.
Be sure to check with your local laws to see what the minimum requirements are for golf cart insurance in Florida. You may also want to consider adding additional coverage, such as roadside assistance, to your policy.