Golf Cart Issue
The problems that usually cause concern arise when carts are included with rentals of houses etc. Most policies exclude coverage of vehicles/carts subject to some type of rental agreement.
On the other hand, permissive users of your cart are usually covered if the use is within the agreement of the owner and user. Your circumstance in this instance would typically extend coverage to the user assuming the cart is insured separately and not part of a HO policy?
Contact USAA and if make sure how cart is insured. If it's under the HO policy it provides really limited protection even for you. You want to get in insured under a cart specific policy. Then you should be OK.
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