[RayB]

That is a good point. I would never put in a claim on my homeowners insurance unless it was in the thousands of dollars. This is particularly important in Florida where the insurance companies can drop you with very little cause. They are doing this because of the high cost of hurricane claims. I went for a seperate policy on my cart with State Farm. It is similar to my auto policy and is even connected with my $1M liability insurance I have with State Farm. I was surprised how inexpensive the seperate policy was. It is based on my cart not exceeding the max legal speed of 19.5 MPH. This is not a problem for me as my cart is set not to exceed the 19.5 speed.