For your average golf cart that is not street legal, I guess you could get by without insurance. However it is a motorized vehicle, they do get expensive. My Yamaha purchased last August cost $10,000. So you're in an accident you've got your own cart to repair, and possibly your body and if it's your fault maybe the other person's car, cart or body.
It's not that expensive, my insurance through Villages Insurance was $130 for the entire year. Since you're new, I'll give you a suggestion. I moved here last summer but for about two years I would search a lot of topics, such as this one, and take notes. When we arrived we already had our painter, handyman and several other services lined up or knew where to go. While you're waiting to sell your home this is a great time to gather all that info. Go to the top of the message board and click on search. Then enter for example 'golf cart insurance', you'll see tons of threads from the past year. You can do that with anything you could think of, landscaper, car dealer, etc. Good Luck in sellling your home.
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