I ran into the same issue when I was renting a home for the winter months here. It actually came with a cart included, but the language specifically stated that the cart came with no liability insurance for me. I would have to find that on my own. I checked out places that rented carts out, like The Villages Golf Carts, but not just them, and nobody offered insurance with the cart. I called my homeowner's insurance agent, who also does my cars. Nope. He could insure me if I bought a cart, but not if I rented one.
I was very nervous about the idea of risking everything I'd worked my whole life for, just to ride around in a cart. We all know how it is. Someone on a bike does something stupid and I nail them, it's going to cost me. And, to be honest, I make mistakes. I'm not careless at all, but I goof up sometimes.
My solution, as crazy at it sounds, was to buy a cart. At the time I had to find winter storage for it, and now we have our own place, and it all worked out, but it seemed really crazy at the time.
This was 4 years ago, so maybe it's different now, but I doubt it.
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