Do I need golf insurance?

Do you need golf insurance in Australia depends on whether you are member of golf club and your risk, but for most golfers it is highly recommended and often included free. If you are member of golf club affiliated with Golf Australia, you automatically get personal public liability insurance $20M and personal accident cover as part of your membership fee, which costs $50 to $80 per year for Golf Australia affiliation plus club fees, so you already have liability cover if your ball injures someone or damages property like car or window, which can cost $10K to $500K in claims. If you are social golfer not in club, you need standalone golf insurance because without it you are personally liable for injury or damage you cause, and your home insurance may not cover sporting liability. Golf equipment worth $2K to $5K also needs cover against theft from car or clubhouse and accidental damage, which home contents may not fully cover away from home. If you are golf coach or pro, you need public liability $20M and professional indemnity $5M as required by Golf Australia and venues, costing $400 to $800 per year. If you play in corporate or charity days, organisers often require liability. So if you are club member, you have basic liability already, but you may need extra equipment cover $100 to $200 per year. If you are social golfer, yes you need golf insurance for liability and equipment, costing $100 to $300 per year.