Umbrella policies are "excess" policies. They generally apply after the underlying policy insuring the involved vehicle is used up by offers or payments. So the policy on your golf cart is similar to a "deductible" when it comes to your umbrella policy.
In order to get an umbrella policy you usually have to have all your owned vehicles insured with prescribed limits. I have State Farm and in order to get their umbrella policy you need to have underlying limits on all cars and golf cart of 250/500/100. So my two cars and golf cart have those limits. It also sets out liability limit requirements for my homeowner policy.
Having an umbrella policy doesn't mean it automatically applies if you have a claim that's not covered by your underlying golf cart policy. This varies by company. So don't assume you'll have coverage under the umbrella policy if you or somebody else using your golf cart has a claim. If there isn't coverage from your golf cart policy, you may be responsible for the underlying limit amount before the umbrella applies. Again, this depends on policy language but it's important to remember the purpose of the umbrella policy is to provide coverage in excess of the primary policy applying to the involved vehicle, it is not intended to provide coverage from dollar one.
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