Golf Cart Liability
Golf Carts and Liability Insurance:
So it is Saturday afternoon and you head to the pool. You load up the golf cart with all your gear. You remembered the sunscreen, cooler, towels, snacks…..Did you remember to by insurance for your golf cart? Golf carts are not required to carry insurance as they are not licensed for road use. But, should you have coverage? What if your teenager hit someone in your golf cart? What if the golf cart turned over and injured someone? Who is going to pay? Do you have insurance for that?
A standard homeowners(ISO) policy normally speaks to a golf cart as a motorized vehicle to be used for purpose of playing the game of golf or to service the residence premises. Meaning that once you take it off your property it is not covered. Not all home policies are created equal. Does your home policy cover golf carts? Some Do. Some Don’t. Call your insurance provider and ask.
So what do you do? You can cover a golf cart for it’s value and also for the liability that arises out of it’s use. One big name company now sells specific golf cart policies. Other carriers will add it to your homeowner’s policy for a fee. There are a few out there that cover them automatically if your community bylaws allow for it’s use. Either way you do it the price is reasonable for a large amount of protection.
Call or click us today for information and advice.
How does your insurance stack up
Insurance companies are all over the airwaves with great adds. i have to admit some of them are really great. One touts a piggy and his antics, another says they are the biggest with more customers than several others. Another says they will keep you out of trouble for less money and offers just state minimum coverage. So how do you know what insurance is best. From an agents aspect there are several things you need to know.
1-What is the AM Best rating of the company. This tells you how well a carrier can meets it’s claims needs.
2-What coverage are you buying. Would you be protected if you have a large claim and you only carried minimum limits?
3-Is price important? Yes, of course it is but what if someone could give you a good price with better coverage. you have to do some homework and have a good independant agent shop the price for you.
4-”I’m insured with a BIG company”. That could be good but if you have less coverage than you need it is not a great idea.
If you are unsure of your coverage or just need advice we welcome your call to 770-297-0925. Ask for Barrett. For a quick quote on auto or home insurance in Georgia, Tennessee or Florida click below. We shop the market for you.
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Georgia insurance rates appear to still be increasing. Due to the recent hail and wind claims insurers are having higher than project claims activity. This years storm prodictions are for increased activity. GuideOne home rates are excellent. Call Barrett Hill in Gainesville or Dacula Georgia for the best auto insurance and home insurance rates. www.hillinsurance.com.
Georgia Life insurance
LIFE insurance rates in Georgia at an all time low? Well maybe not but they are really good. Example: Healthy male 40 in Georgia $500,000 for 10 year term was $29 per month. We represent many large carriers such as Banner, MetLife, Genworth, Prudential. If you have not provided an income for your spouse if you were to die NOW is the time. It is free to get a quote and free to apply. Husbands take care of your wife and kids. Buy that life insurance that they will need one day. Call for a free estimate 770-297-0925. Or contact us via email at barrett@hillinsurance.com. Georgia Life insurance quotes are available. Contact us now. Barret Hill Insurance Agency Dacula, Georgia Gainesville, Georgia
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Summer Brings Fun- Motorcycles, Boats, RV, Jetski
Summer is here and Lake Lanier, Georgia is buzzing. Patrons of all sizes are out on the water, in the camp grounds and playing with their toys. Boats, RV, CAmpers, Motorcyles and Jetski are everywhere. Before you go let us insure those toys. We have 5 different carriers to get them all coveraed and protect you- the customer. Make sure you protect yourself for Liability to keep people from sueing you. We can show you how.
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