Half the speed, All of the protection

Golf Cart & LSV

Why Golf Cart & LSV Insurance Matters

Golf carts and LSVs aren’t just for the course anymore. Around Lake Norman, Cornelius, Mooresville, and other growing communities, more people are using them for local travel, neighborhood drives, and quick errands. But just like any other vehicle, they come with risks.


Whether you’re cruising the lakeside, getting around a gated community, or riding through your neighborhood, having proper insurance protects your cart—and your peace of mind.

Your Trusted Golf Cart & LSV Insurance Partner

We live here too—and we understand how folks around Lake Norman, Mooresville, and Cornelius use their golf carts and LSVs every day. Whether you're heading to the dock or cruising the neighborhood, we’ll make sure you’re covered with the right protection at the right price—without the hassle.

Coverage for tHE wAY You Cruise

Comprehensive Golf Cart & LSV Insurance Options

Your standard homeowners or auto policy might not cover your golf cart or LSV the way you expect—especially when you’re driving off your own property. That’s why a dedicated policy gives you the confidence you need, wherever the road (or cart path) takes you.

A person is holding a piece of paper with a checklist on it.

Liability Coverage

Covers you if you’re responsible for injuring someone or damaging their property while operating your golf cart or LSV. Whether you're driving through your neighborhood or around a private community, this coverage helps protect you from out-of-pocket expenses if an accident leads to medical bills or repair costs for others.

A black and white silhouette of a hedgehog with a crown on its head.

Collision Coverage

Pays for repairs to your golf cart or LSV if it’s damaged in a crash—whether it’s with another vehicle, a tree, a fence, or anything else you didn’t see coming. It’s especially important if your cart is street-legal or used frequently beyond your property.

A black and white drawing of an electric vehicle with a lightning bolt.

Comprehensive Coverage

Provides protection for non-collision incidents like theft, vandalism, fire, flood, or storm damage. If your golf cart gets stolen or a storm knocks a tree limb onto it while parked, comprehensive coverage ensures you're not stuck with the repair bill.

A black and white icon of a triangle with an exclamation point and a shield with a check mark on it.

Uninsured/Underinsured Motorist

If another driver causes an accident and doesn’t have enough insurance (or any at all), this coverage helps pay for damage to your cart and medical costs for you or your passengers. It’s a smart safety net for situations you can’t control.

A black and white drawing of a car wheel on a white background.

Accessory

Coverage

Covers upgrades and custom features that make your cart or LSV uniquely yours—like custom wheels, lighting, seats, sound systems, enclosures, and more. Standard policies may not cover these extras, so this add-on helps protect everything you've invested in your ride.

A clipboard with a check mark on it and a shield.

Medical

Payments

Helps pay for medical care if you or your passengers are injured in an accident, no matter who was at fault. It can cover hospital visits, X-rays, ambulance rides, and other unexpected costs, so you're not left paying out of pocket.

FAQ's

Protection for the Way You Cruise Around Town

  • Do I really need insurance for a golf cart or LSV?

    Yes—and here’s why. If you use your golf cart or low-speed vehicle (LSV) anywhere beyond your private property—like in your neighborhood, around Lake Norman, or on local roads—your homeowners or auto policy likely won’t cover it. A dedicated policy protects you from liability, accidents, theft, and more. And if your LSV is street legal, insurance is required in North Carolina.

  • What’s the difference between a golf cart and an LSV?

    Good question. A golf cart is typically limited to 20 mph and used on private property, courses, or community roads. A low-speed vehicle (LSV) can reach 20–25 mph, has safety features like headlights and seat belts, and is street legal on roads posted 35 mph or less. If you’re not sure what you have, we’ll help you figure it out and get you properly covered.



  • Can I add my golf cart or LSV to my homeowners policy?

    Some homeowners policies provide limited coverage—but usually only while your cart is on your property. If you take it off your lot or drive it on community roads (or if it’s registered as a street-legal LSV), a standalone policy is a much better option—and often required.

  • How much does golf cart or LSV insurance cost?

    Not as much as you’d think! Coverage is usually very affordable, especially compared to car insurance. Your rate will depend on the value of the cart, how it’s used, where it’s stored, and whether it's street legal. We’ll compare top carriers and get you the best value - Contact us today for a quote!

  • Can I insure my custom golf cart or upgraded LSV?

    Absolutely. If you’ve added custom seats, lighting, wheels, or enclosures, we’ll make sure they’re protected with accessory or equipment coverage. Just let us know what you’ve added, and we’ll build a policy that reflects your setup.