I've got USAA insurance, have had it forever....bought our house before the company stopped issuing to new homeowners.
Just had lightning rods installed on my house. They do not attract lightning, but do provide a path to the ground. If you decide to have them installed, there are three companies that are recommended by The Study Group on Lightning. I used Advanced Lightning Protection and today the UL inspector was out to do a final check and issue the Underwriters Laboratories certificate. A number of owners on our street decided to have lightning protection installed. Do you need it? You might, you might not, but with the amount of spectacular electrical activity in the area, hubby and I decided we'd have protection.
Golf carts, well, we wanted electric. They're quiet and do not give off exhaust fumes. Others prefer gas because of the range. You'll have to decide when you get here. Believe me, there are lots of carts to try out and deciding which one you want could take a little time...
Snowbird recommended the SECO whole house surge protector. We've got one and an additional one installed by the lightning protection company. Your house may already have the SECO installation....ask. Ours from SECO is rented, but I do believe you can purchase them from the company.
Did I say welcome?
WELCOME! You're going to love it here.