Your homeowners policy was never written for the way you actually use your cart — the course, the cart path, the neighborhood loop. We place specialty golf cart coverage through established broker relationships, so the protection travels with the cart.
The Coverage Gap
Golf carts sit in an awkward seam of the insurance world: not quite a vehicle, not quite property. That seam is where claims get denied.
Many homeowners policies treat a golf cart as personal property — covered in your garage, and often not once it rolls past your own lot line. The course, the cart path, and the street to your neighbor's are frequently outside the policy's reach.
A cart that clips a parked car, another rider, or a pedestrian can generate liability a homeowners policy may decline off-premises. Without specialty coverage, that exposure can be yours personally.
Lifted carts, lithium batteries, custom wheels, street-legal conversions — every upgrade changes what a carrier will write. Sorting it out alone means hours of fine print and guesswork.
The Bogey Brothers Way
We are a specialty agency with direct access to established broker connections in the golf cart market. Instead of forcing your cart into a policy built for a house, we take it to the markets built for carts — and come back with coverage that matches how you actually ride.
One conversation, one application, and the confusing part becomes our job instead of yours — for cart owners across the country.
Established relationships with specialty markets mean your application lands in front of the right underwriter, not a general inbox.
Policies designed for carts in use — on the course, on the path, around the neighborhood — not just parked at home.
Lifted, lithium, customized, street-legal — the details go into the placement, so the policy fits the cart, upgrades included.
You'll know what's covered, what isn't, and why — before you buy, not after a claim.
How It Works
A few minutes on the make, model, upgrades, and how you use it. That's the whole application on your end.
Your details go to our broker connections, and we compare what comes back — coverage, exclusions, and price.
We walk you through the policy in plain English, bind it, and stay your point of contact for changes and claims.
Why Cart Owners Choose Us
Insurance is a regulated industry, so every claim on this page will be real. The items below are reserved for verified client materials and will be published only once confirmed.
Client testimonial with attributed name, state, and permission to publish.
Carts insured / policies placed figure, sourced from agency records.
Carrier and broker partner names, published with written approval.
State availability list and license numbers, per department-of-insurance records.
Second client testimonial with attributed name, state, and permission to publish.
Average quote turnaround time, measured from agency records.
Get a Quote
Tell us about your cart and we'll take it to our broker markets. Prefer a conversation? An agent is a call away.
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Phone: [PLACEHOLDER — agency phone]
Email: [PLACEHOLDER — agency email]
Bogey Brothers Insurance
The gap in your coverage doesn't announce itself. Close it before it matters.