We have carried insurance on our cart from the time we bought it in 2004. Depending on how much coverage you get, it starts around $75 per year. One thing that you might want to keep in mind, if you include cart coverage in your homeowner's policy and file a claim, then you have a ding against you for having had a claim against your homeowner's insurance which could prove costly or result in denial should you have to change for some reason (State Farm pulling out, etc.).
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