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Originally Posted by FFlank
Check with your insurer. We are covered by USAA and I had the same question. USAA's coverage extends to rented or borrowed vehicles, and they have a list of the types of vehicles coverage is extended to...among other types (RVs, small moving vans, etc), "golf carts" and other low speed vehicles. As long as you are borrowing or renting within the USA, you would be covered according to their phone representative. I'm sure every company is different, so definitely call yours...
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I'm not surprised to hear that USAA covers this. They are a great company. Unfortunately for many of us, they won't insure us because their focus is military personnel. I have a pile driven dock on a lake in NY State. There is some risk of ice damage in harsh winters. The only people I know who were able to get coverage against ice damage are retired military, through USAA.