Last night I went to a poa meeting and golf cart insurance was discussed. I found out that my homeowners insurance company insures golf carts as an addition to an auto policy. Presently I have Allstate. I was concerned about coverage because my cart can exceed 20mph and was told that the insurance company may not pay for any claim if you have an "illegal" cart. I talked to an agent and who told me that if my cart was insured under the auto policy that I would still be covered in case of a claim. I just wanted to throw this information out there as I know there are quite a few people here who own gas carts that can go faster than 20MPH.
John