Jet Skis, Golf Carts, and ATVs—What’s Covered (and What’s Not)?

​This guide breaks down what is—and isn’t—typically covered and how you can protect yourself and your assets this summer.
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Summer Fun on Wheels (and Waves) — But Is It Insured?
The sunshine is calling, and your summer toys are ready—jet skis, golf carts, and ATVs. But before you hit the trails or the lake, it's essential to know whether your recreational vehicles are actually covered under your current insurance. Many people assume their homeowners or auto policies offer protection, only to find out (after an accident or theft) that they’re not.

Jet Skis / Personal Watercraft (PWC)What’s Typically Covered
Most home or auto policies do not automatically cover jet skis or personal watercraft. Instead, you’ll likely need a separate personal watercraft policy, which typically covers:

• Property damage to your PWC
• Bodily injury liability if someone is hurt
• Medical payments
• Uninsured/underinsured boater coverage
• Towing assistance

Optional Add-ons may include coverage for accessories or trailers, total loss replacement, and fuel spill liability.
What's Not Covered

• General wear and tear
• Operating outside of policy terms (such as after dark)
• Damage caused during racing or stunts

📌 Tip: Some insurers like Safeco and Progressive offer bundled discounts for insuring PWCs along with home and auto.

Golf CartsGolf carts may seem harmless, but they're still vehicles—and they can cause serious injury or damage.
Coverage Options

1. Homeowners Insurance:
   If you only use your golf cart on your property or a golf course, limited liability may apply under your homeowners policy.
2. Specialty Golf Cart Insurance:
   If you use it in a golf community, on public roads (where allowed), or for leisure driving, most carriers require a separate policy offering:
   • Liability for bodily injury and property damage
   • Comprehensive and collision coverage
   • Medical payments
   • Uninsured motorist protection

What’s Not Covered

• Non-listed drivers
• Unauthorized street use
• Racing or reckless operation

⚠️ Note: Foremost is known for flexible golf cart policies that allow coverage for both owned and custom carts used in planned communities.

ATVs (All-Terrain Vehicles)ATVs are considered high-risk vehicles. Most home and auto insurance policies exclude coverage unless you’ve added a specific endorsement or purchased a separate ATV policy.
What You’ll Need

• Stand-alone ATV insurance policy, which usually includes:
  • Collision and comprehensive
  • Liability for injuries or property damage
  • Medical payments
  • Trailer and gear coverage
  • Uninsured/underinsured motorist

Some states may even require liability insurance for ATVs driven on public lands.
What's Not Covered

• Use for business or racing
• Off-roading outside of permitted areas
• Unlicensed or underage drivers

✅ Progressive offers customizable ATV policies and allows bundling for multi-policy discounts.

How to Ensure You're Covered This Summer1. Check with your current carrier.
Don’t assume you're covered—many policies exclude recreational vehicles unless specifically listed.
2. Ask your agent about bundled options.
Some insurers like Allstate, Safeco, and Progressive offer discounts when bundling recreational vehicles with your home or auto policies.
3. Know where and how you're using the vehicle.
Usage type (private property vs. public road), modifications, and age of the driver all impact coverage eligibility.
4. Store and secure your summer toys properly.
Theft claims are common during summer. Make sure your jet ski, ATV, or golf cart is locked and stored in a secure area.

Final ThoughtsWhether you’re on the lake, cruising through your neighborhood, or blazing trails in the woods, having the right insurance ensures peace of mind. These summer machines are not only expensive—they’re potential liabilities if something goes wrong.
Let Corin Insurance help you navigate coverage options for all your summer fun.

✅ Quick Checklist:

• Jet Ski Policy?
• Golf Cart Usage Listed?
• ATV Separately Insured?
• Stored Securely?
• Bundled for Savings?

Disclaimer:Insurance coverage varies by carrier, state, and individual circumstances. This blog provides general information for educational purposes only and is not intended as legal or financial advice. Always consult your policy documents or speak with a licensed insurance agent for personalized guidance.