Use to have golf cart coverage as part of our homeowner's policy. Then discovered (from talk of the Villages) that it's cheaper to get a "stand-alone" policy. In 2011 got our policy through the Villages ins. The company is Foremost Ins in Grand Rapids, Michigan. First year coverage on a 2010 Gas Yamaha cart cost $112.44. 2nd year premium dropped to $88.13. 
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The Villages (Polo Ridge; Piedmont), Toms River, Brick, Spring Lake Heights, NJ and Bronx, NY
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