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Life Changes...So Should Your Policy

As your life changes, your life insurance coverage may need to change as well to adapt to your current needs. Some life changes that may require a policy “tune-up” include:

  • You recently married or divorced.

  • You have a new child or grandchild.

  • Your health or your spouse’s health has deteriorated.

  • You are providing care or financial assistance to a parent.

  • Your child or grandchild requires assistance or long-term care.

  • You recently purchased a new home.

  • You are planning for the education of a child or grandchild.

  • You are concerned about retirement income.

  • You have refinanced your home mortgage in the past six months.

  • You or your spouse recently received an inheritance.

  • Don’t get Caught in the Sand Trap
    Get Golf Cart Insurance
    Any person who owns a golf cart must get this insurance. You wouldn’t drive a car without insurance because it would leave you vulnerable to legal and medical costs in the result of an accident. The same is true of golf carts. It is absolutely necessary for you to have the correct insurance to make sure you are protected. The cost of insurance is slight compared to the cost of not having it.

    If you want to use your golf cart at any golf course, you are required to bring your insurance paperwork.

    What typically does this insurance policy cover?
    Golf cart insurance covers the vehicle for accidental damage caused by collision, adverse weather, fire and theft. The cart will be insured at a number of places that the insurer would approve the unrestricted use of a golf cart (i.e. golf courses, country clubs and gated communities).

    Golf cart insurance also protects you from any medical costs or legal costs derived from a claim made by a third party.

    Additional coverage for a golf cart insurance policy
    Golf cart insurance is fairly standard with very few additions available. The best addition you can get to your policy is to also apply for general golf insurance as that will cover you while you are playing golf and not just when you are driving your cart. You never know when a hook or slice can get you in trouble.

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