I just had a talk with our agent. We have coverage and replacement value like a car along with the multi car discount, accident free discount etc. She said this is all new to them but they are rating them like a car when they are street legal and we don't have a choice here, can't drive on the sidewalks and we don't have golf cart lanes so we have to drive in the street. The good thing is, we're big enough that we can be seen, ours is a 4 seater Cadillac Sedan Deville, 2010 Cadillac Red with white interior, matching white vinyl top and it's 13 feet long, it's pretty cool!
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