[villages07]

I am a full timer, so, my answer may not apply to part timers. I am insured with Travelers (via Villages Insurance). My golf cart rider/endorsement, inside my homeowners policy, is approximately $50/year. Covers theft, liability, collision. When I was insurance shopping recently and got a quote from AAA (which underwrites ASI, another major insurer here), the agent quoted about $85/year but as a separate policy from homeowners. Her rationale is if you had a claim for golf cart problem it would count against your homeowners history if the two are bundled.