I would hope you have an umbrella policy that covers you for at least $1 million. That is the first insurance you will need. I certainly would not let a renter use my golf cart. Way too many liability issues with that. Let them rent a golf cart on their own for a month from some place like Village Golf Carts.
I know the umbrella policy requires full coverage on homeowners, too.
In a society that is just filled with people waiting to file lawsuits, you have to be very careful - or you may find everything gone that you worked for all of your life.
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