A direct quote from AAA Insurance agent here in TV: "Homeowners should never just put their cart on the homeowner policy, because claims due to the cart could get your homeowner's policy cancelled, and that would be disastrous because good homeowner policies are getting harder to get in FL". Makes sense to me!!
A separate golf cart policy is best for your own use (Foremost is one of the ones who does that, thru TV Insurance). For
renters of your home to be covered by your
liability insurance....see thread linked below.
This thread discussed it all a few months ago:
https://www.talkofthevillages.com/fo...illages-80125/