If your renter has an accident that causes injury to him or another party, your insurance company will not pay for their claims or lawsuits.
Does not matter how you phrase it, a renter is NOT covered. The insurance companies know all the weasel-wording and how to get around any check-boxes on rental agreements or "leaving the key" and the renter just found it, etc.
Does not make any sense to jeopardize your entire life savings for rental of your property plus golf cart. Let the renter rent their own cart.
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