Do I Need Insurance on My Golf Cart?

Golf carts are a common sight in a golf course community, but they are becoming popular for traversing other places. Some people use them to travel across their property or neighborhood. Some towns and cities have golf cart paths. If a golf cart is being used for anything else besides playing golf, it is good to have insurance on it.

Do I legally need insurance?

Golf carts are an alternative form of transportation that is not used as primary transportation. Still, if you live in a neighborhood that is controlled by a Home Owner’s Association, they may require you to have insurance if you use your golf cart to travel on the roads in the neighborhood. Some big golf states, like Arizona and South Carolina require golf cart insurance if the cart is used on any road.

How much does it cost?

Golf cart insurance can vary in price depending on how you use it. Depending on how you use it will also determine if you need a separate policy for the cart. For instance, if you plan only to drive your golf cart on your property or to play golf, a simple endorsement on your homeowner’s insurance will suffice.

If you plan on using it to cruise around your neighborhood at neighborhood speeds up to 25 mph, you will need an auto insurance policy for golf carts or low-speed vehicles. If you plan on driving the cart on major roads outside your neighborhood, a golf cart policy with umbrella insurance could be required.

What does golf cart insurance cover?

Golf cart insurance plans cover similar things that motorcycle insurance covers. Bodily injury and property damage liability is included in basic packages. Similarly to motorcycle packages, guest passenger liability is also included. Optional clauses include medical payments coverage which covers any medical bills accrued by a driver or their passengers during the operation of the golf cart. Uninsured motorist coverage pays for damages to the golf cart are committed by someone who is uninsured. Collision and comprehensive coverage pay for the repair or replacement of the cart in the event it is involved in a vehicle accident or another event.

Shop for Quotes

Golf cart owners who either need or want golf cart insurance should always shop around for quotes, similar to auto insurance. Depending on the level of coverage you need, an insurance representative may need more information about your cart to start a policy. Some insurance companies do not even offer golf cart plans.

Golf carts can be a fun way to get around, but if anything happens to the cart, passengers, or driver, an insurance plan would certainly help curb or eliminate the costs of an accident. It is also wise to avoid fines from your HOA and law enforcement. Treat your golf cart like you would your car or another vehicle. Drive it safely, give it regular maintenance, and make sure you are legally covered to drive it.

How to Find Home or Apartment Movers in Texas You Can Trust

From the top-ranked Whispering Pines Course in Trinity to the beautiful Escondido Golf Club at Horseshoe Bay, Texas has some incredible golf course communities to call home. The key to discovering a great golf course community is location, but finding a trustworthy moving company to help you get settled in requires research. When you are looking for a moving company, you need to ensure that your valuables won’t break or get damaged. Before you sign an agreement and hire expert movers, do your research and follow the checklist for contracting movers based on these guidelines. Here are our tips for finding the best moving companies in Texas to assist with your next relocation:

1. Ask for Advice

If you aren’t certain on how to get great movers, you may get surprised to realize that an Internet search is not the paramount place to begin. It’s important to look for referrals from friends and co-workers who have previously used a local moving company in Texas. You can contact your best buddies or post questions on Facebook or Twitter. This will help you narrow your search to trusted, reputable moving companies

Real estate representatives (like us!) are an alternative source of moving referrals. They are knowledgeable about and often work with movers when their clients are in need of moving services. Here are our top Texas moving picks for San Antonio, Houston, Dallas and Austin movers:

Einstein Moving Company
9200 Brown Ln
Austin, TX 78754
(512) 815-8781
TX DOT #006604158C
US DOT #2193963

Elephant Moving and Storage
6110 Trade Center Dr Suite 101A
Austin, TX 78744
(512) 442-6622
TX DOT #000613531B
US DOT #1710619

You can also use online reference sites such as Yelp, Kudzu, Angie’s List, and Better Business Bureau to check customers’ reviews.

2. Make Calls

Once you have chosen three moving firms that appear like secure bets, call them to get pricing information and schedule an in-home estimate. Also, you should deal with companies that have offices and are willing to send a representative to your residence to do an estimated cost. Avoid companies that do estimates on the phone since they are more likely to low-ball your estimate.

Further, use their registration number to check their record. Make sure they have enrolled in an insurance policy, and are licensed by the state of Texas to provide moving services (check out this useful info from the Texas DMV). After covering these bases, you can continue to make an informed decision, and choose an expert that you feel secure contracting for your move.

3. Timing the Best Season to Relocation

Timing of your movement can be a vital aspect no matter the location you are shifting your properties and family. During the summer season, there are many apartments and choices available if an individual is looking forward to moving. However, winter can be one of the most difficult times to relocate to urban regions. Besides, most people choose to remain where they live at this period of the year. However, moving during the winter off-season might mean cheaper rates on moving services. Most moving companies offer discounted rates from October-February, since most people prefer not to move over the holidays or during the peak of the school year.

4. Personal Attention to Overcome Possible Challenges

Residents face stress and challenges when looking for the best moving companies. However, when they hire a trusted mover, the moves can be easier and less stressful.

Easing your transition is necessary, and if you keep the advice given by the mind above, you can find the right mover for your relocation to your new golf course residence.

Residential Movers Give Downsizing Tips for Moving into a Garden Home

Some people downsize to a smaller home to save money on housing expenses. Others, however, downsize after the kids move out because they simply do not need so much space any longer. For this reason, golf course garden homes have become all the rage among the aging population. They allow seniors and retirees access to a lovely community, without the burdens of maintaining a larger space.

Regardless of the reason why you are downsizing, you may now be faced with the incredible task of trying to reduce your belongings so that you can comfortably live in a substantially smaller space. These are some excellent tips from Cheap Movers NYC (433 Broadway #2, New York, NY 10013, (646) 570-1698, site) that may help you to make the transition to your new home easier. This NYC moving company helps lots of people with apartment moves, and they’re used to helping customers make the transition to a smaller space in the City. Here’s what they suggest doing:

1. Sort Your Items Into Separate Piles

When downsizing, it is best to eliminate unnecessary or unwanted items before you move. There is no need to pay movers to relocate items that you intend to get later rid of, and you may not have space in your new home to store unwanted items. Spend time sorting through each item that you own, and this is best accomplished by spending a few days in each room. Go through each closet, drawer, cabinet, and shelf to review your items one by one. Sort these items into piles based on what you intend to keep, what you plan to donate to charity and what you want to throw away. For items that you intend to keep, consider using storage bins to relocate items that will be stored rather than used in your new home. This makes organization and unpacking easier once you get to your new space.

2. Review Your New Home’s Floorplan

When you are trying to decide which major furnishings to keep or sell, review your new home’s floor plan. The only items that you transport to your new home should be items that you have space for and that you intend to use. Any other items should be donated to charity or sold before your moving day. This includes items that you intend to replace because they are outdated or worn. When you get into your new home, you will not have to worry about feeling cramped with too much furniture in your space.

3. Avoid Being a Packrat

Many people have boxes and bins of items that they want to hang onto for nostalgic reasons. This may include old books from college, baby clothes that your now-grown children wore and more. While keeping a few nostalgic pieces is nice, toting around dozens of boxes of things that you have not seen or used in years or even decades is not wise. You may not have room to store all of these items in your new home, so you may need to make some hard decisions about what you will keep or toss. Remember that your children may want to keep some of their items from childhood.

Downsizing into a new home may be a wonderful move for you to make in the long run, but it can seem stressful and complicated as you prepare for your move. You may need to get rid of many of your possessions as you get ready to relocate, and these tips can you to more easily navigate through this process.

Sundance Realty

Luxury Residential Real Estate in Golf Communities