If you're a nervous Nellie and it's going to cause you sleepless nights, just knock a few hundred off the rent and let them rent one.
I rented my house out for years, along with the golf cart and never had a problem. As a matter of fact, I've never heard of a single villager who lost their home and life savings because of a renter wrecking their golf cart. But if I wanted to, I could sit around and dream up dozens of reasons to never even go outside my door.
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