Coverage for Every Cart & Community
Golf carts are a way of life in Florida — and your existing auto or homeowners policy may not fully cover you. FEI & GAC provides dedicated golf cart insurance for gas and electric carts used on and off the course.
Your Standard Insurance Policy May Not Be Enough
Golf carts are a staple of Florida life: used in retirement communities, residential neighborhoods, resort communities, and of course on the golf course itself. However, many Florida residents are unaware that their existing auto or homeowners insurance policy may not fully cover their golf cart in the event of an accident, theft, or damage.
FEI offers dedicated golf cart insurance policies for Florida residents, providing broad coverage for virtually any noncommercial purpose and location, whether you're cruising through The Villages, your gated community, or across a local golf course.
Our licensed agents will review your existing coverage, identify any gaps, and help you find the right dedicated policy for your cart and your lifestyle. We cover both gas and electric golf carts, and make sure you're taken care of when you need it most.
We serve golf cart owners throughout:
Gas & Electric: Both Covered
Whether you drive a classic gas-powered cart or a newer electric model, our policies provide the same broad coverage. Coverage is available for virtually any noncommercial purpose and location across Florida.
Why a Dedicated Policy?
A homeowners policy may offer limited liability coverage for your golf cart on your property, but typically won't cover you when you're on the road, in your community, or on the course. A dedicated golf cart policy fills those gaps completely.
Did You Know?
Many Florida gated communities, HOAs, and retirement communities require residents to carry dedicated golf cart insurance. Our agents can help you meet those requirements quickly and affordably.
What Your Golf Cart Policy Covers
Our golf cart insurance policies offer a full suite of coverage options — from liability protection to roadside assistance — so you can ride with confidence anywhere in Florida.
Bodily Injury & Property Damage Liability
Covers costs if you injure another person or damage someone's property while operating your golf cart. Essential protection for anyone using their cart in shared communities or on public paths.
Comprehensive Coverage
Protects your golf cart against non-collision events — fire, theft, vandalism, storm damage, and other covered perils. Particularly valuable in Florida where weather and theft risks are elevated.
Collision Coverage
Covers damage to your golf cart when it collides with another vehicle or object, regardless of fault. Pays for repairs or replacement up to the cart's actual cash value.
Accessory Coverage
Covers custom accessories and upgrades on your cart — including lift kits, custom wheels, stereos, enclosures, and other modifications. Protects the full value of your investment beyond the base cart.
Transport Trailer Coverage
Covers the trailer you use to transport your golf cart to and from the course, community, or other destinations. Protects you against damage or liability while trailering your cart.
Roadside Assistance
Provides emergency assistance if your golf cart breaks down — including towing to the nearest repair facility. Available 24/7 so you're never left stranded on the course or in your community.
The FEI & GAC Advantage
We make golf cart insurance simple, affordable, and tailored to your specific Florida lifestyle.
Licensed Local Agents
Our team knows Florida — the communities, the roads, and the lifestyle. We'll review your existing coverage and make sure you have exactly what you need, nothing you don't.
Affordable Premiums
Dedicated golf cart insurance is typically very affordable — and far less expensive than the out-of-pocket costs you could face after an accident or theft without proper coverage.
Claims Assistance
Although you will not file a claim directly through FEI, our agents are able to assist you if you have any inquiries, whether you are contemplating if you should file a claim or not, or need assistance getting in touch with your policy provider. We're here to help you get back on the course quickly.
Ready to Protect Your Golf Cart?
Request a free, no-obligation quote and we'll find the right coverage for your cart, your community, and your budget. Most quotes are ready within one to two business days.
Speak With a Licensed Agent
Our team is available Monday through Friday during business hours to answer any questions and help you find the right golf cart coverage.
Land O Lakes, FL 34638
St. Petersburg, FL 33702