We did use The Villages Insurance wh issed an ASI policy when we bought in 2005.
We have a gas cart as I have a fear of either running out of juice, or being stuck at home because I need to finish charging!
We also have a lightning protection system. If you look around TV you will see many homes and other buildings with these systems, including the fire hous on Buena Vista.
Sowe agree on 1 out of 3 anyway!
I'd suggest doing some searches as these topics have been covered a lot over the last few years and there's lots of info out here.