I want to thank you for your answers, and just need to share with the rest of you who may have insurance renewal problems due to an old roof.
An independent agent found me a policy with a company called GeoVera Specialty that does not disqualify you based solely on the age of the roof. (I had received a non-renewal notice from St. Johns solely due to the age of the roof.). This has saved me $10k for a new roof that I do not need.
Also, golf cart liability insurance IS available through All State
Also, by calling the 'Customer Loyalty Department' at Comcast, I was able to reduce my bill by several $$.
I hope this info is helpful to some of you.
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