As we enter the heart of hurricane season, it’s the perfect time to revisit a topic that impacts nearly every household in our community—auto insurance. At HH Insurance, we believe that understanding your coverage is key to protecting what matters most. In this month’s newsletter, we dive into three critical areas: auto insurance essentials, hurricane-related vehicle coverage, and the differences between golf carts and low-speed vehicles (LSVs).
The Importance of Auto Insurance in Florida
Having the right auto insurance isn’t just a legal requirement—it’s a crucial safeguard for your family and your financial wellbeing. For Florida residents, where storms and flooding are seasonal realities, comprehensive auto coverage is especially important.
If you’re currently insured with HH Insurance for your home, but not your auto, you might be missing out on a seamless experience that includes:
- A dedicated service team that knows your full insurance picture
- Streamlined communication through a single agency
- Coordinated policy renewal dates
Hurricane Season & Auto Insurance: What’s Covered?
One of the most common questions we receive this time of year is:
“If my car floods during a hurricane while it’s parked in my garage, is it covered by flood or auto insurance?”
The answer: your auto insurance covers it, but only if you have physical damage coverage—also known as comprehensive coverage. Flood insurance for your home does not cover your vehicle, even if it’s in the garage.
Physical damage coverage also protects against:
- Falling trees or debris
- Theft and vandalism
- Fire
- Animal collisions
In Florida, this coverage is more than just optional—it’s essential.
Golf Carts vs. Low-Speed Vehicles: Know the Difference
Florida’s sunny neighborhoods often include golf carts and LSVs, but many owners don’t realize the important insurance distinctions between them.
Golf Carts:
- Not street-legal on public roads (unless in a designated golf cart community)
- Typically, not covered by homeowners insurance
- Require a separate golf cart policy
- Annual premiums: $100–$250
Low-Speed Vehicles (LSVs):
- Street-legal on roads with speed limits of 35 mph or less
- Must be registered and insured like a car
- Require Personal Injury Protection (PIP) and other standard auto coverages
- Annual premiums: $250–$1,000+
If you’ve upgraded your golf cart to be street-legal, don’t overlook the need to insure it as a Low Speed Vehicle. And if your golf cart is uninsured, now is the time to protect it properly.
What You Can Do Today
Whether you’re already a customer or just exploring your options, here’s how you can take proactive steps:
- Not an HH Insurance auto client yet? Click to request a quote—our team will assess your current coverage, suggest improvements, and find you savings.
- Already a customer? Schedule a hurricane coverage review. We’ll verify that:
- Physical damage coverage is active for every vehicle
- Golf carts or LSVs are properly insured
- Policy gaps are addressed
Need Help? We’re Just a Call (or Click) Away
Insurance doesn’t have to be confusing. Whether you need help navigating hurricane preparedness, understanding your auto policy, or ensuring your neighborhood cruiser is covered—we’re here to help.
**This blog provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverage. These definitions do not alter or modify the terms of any insurance contract.