If you're providing a golf cart to your Airbnb or VRBO guests, you're likely underinsured. Most hosts discover this the hard way—after an incident forces them to file a claim that gets denied.
This guide breaks down exactly what insurance you need, what it costs, and how to get it.
Why Standard Insurance Doesn't Work
Homeowner's Insurance
Most homeowner's policies explicitly exclude motorized vehicles from liability coverage. Golf carts, ATVs, and similar equipment are typically carved out in the policy language. Even if your golf cart never leaves your property, it's probably not covered.
Airbnb AirCover
Airbnb's AirCover program provides up to $3 million in liability protection for hosts—but not for motorized vehicles. The terms explicitly exclude "motor vehicles, aircraft, and watercraft."
VRBO Liability Insurance
Similarly, VRBO's liability protection excludes incidents involving motorized vehicles. The policy language is clear: golf carts are not covered.
Insurance Options for Golf Cart Owners
Option 1: Golf Cart-Specific Policy
Several insurers offer standalone golf cart policies. These typically provide:
- Liability coverage: $100,000 to $300,000
- Property damage coverage for the cart itself
- Medical payments coverage
- Uninsured motorist coverage (if your cart is street-legal)
Cost: $75-200 per year for recreational use. Commercial or rental use policies cost more—typically $300-600 per year.
Option 2: Commercial General Liability (CGL)
If you operate multiple properties or have several carts, a CGL policy may make more sense. These policies cover your business operations broadly, including equipment you provide to guests.
Cost: $500-2,000 per year depending on coverage limits and number of properties.
Option 3: Umbrella Policy
An umbrella policy provides additional liability coverage above your primary policies. However, you'll still need underlying golf cart coverage for the umbrella to apply.
What to Look for in a Policy
When shopping for golf cart insurance, ensure the policy covers:
- Rental or commercial use: Recreational policies may not cover guests
- Multiple operators: The policy should cover any authorized driver
- Property damage: Both to the cart and to third-party property
- Medical payments: For injuries to operators and passengers
Recommended Insurers
Based on our research, these insurers offer golf cart policies suitable for short-term rental use:
- Progressive
- State Farm
- Foremost Insurance Group
- National General
Contact each for quotes and ensure you disclose that the cart will be used by vacation rental guests.
Insurance Is Just Part of the Solution
Even with proper insurance, you should still implement liability waivers, photo documentation, and driver verification. Insurance helps cover costs after an incident—waivers and documentation help prevent incidents and protect you in litigation.