I only have property and injury liability and comprehensive (fire and theft) on our used golf cart - it's about $75/year with Allstate. Leaning toward just getting that also for our new cart, which will be a 2nd cart. My thinking is that I wouldn't claim little scratches/dents anyway and if it were in a big collision I probably wouldn't be around to care. And if I were, could handle the replacement/repair cost of a golf cart as it's net worth is a lot less than most cars.
Not sure yet if there is a discount for a 2nd cart.
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