OP, you need to call insurance brokers, as I recall, if you list the golf cart with the home insurance, you may NOT be getting the same coverage that you get with a separate policy. I am not sure at if you can list renters as insured parties on the golf cart, you need to ask this question specifically, or possibly get a policy that is specifically for renters.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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