Quote:
Originally Posted by miclray
I contacted The Villages golf car people to inquire about renting a golf car. $540 per month plus tax. Ok fine. Then I asked about insurance. I was told they do not provide insurance but to call a certain agent at “Allstate” which I did.
That agent informed me they no longer write golf cart rental policies.
From my research it seems you cannot get coverage if you’re merely renting a golf cart but if you own one, you can get the coverage.
You end up signing a liability waiver from The Villages golf car people and that’s it. You're 100% liable for the cart and any property and bodily harm. I don’t think so! Unless someone on here has any advice as to how to get insurance on a golf cart “rental”, looks like I’m driving my truck everywhere unfortunately.🤷🏻*♂️
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The situation you describe is EXACTLY what I ran into 5 years ago when renting seasonally. Since I did not own the golf cart, I could not get any liability coverage from my home/auto bundled carrier. I was not covered with my umbrella policy. There was no option that I could find outside of my own insurance company either, for a rental cart.
I was not comfortable with this arrangement. I was quite sure I would be renting in TV for at least a few more seasons, so I bought a cart and arranged for storage during the months I was up north. It was a PITA.
Eventually, we wound up buying a home here and we are here for 8 months of the year. My thought when I bought the cart was that if we decided not to come back to TV, I'd be able to sell it and it probably wouldn't have cost me any more than renting one for a few seasons. In fact, it probably would have cost me less.
Knowing what I know now, I probably would just forego the cart until I bought. I thought it was an essential ingredient to living the TV lifestyle, but it really isn't. It's nice, and I like it, but I could have been OK without it, given the hassle of owning a cart without a garage to store it in.