It is really hard to do. Some say Allstate will insure renters using a golf cart, but I would be careful and make sure you have coverage. I finally gave up and formed an LLC and transferred ownership of my carts to the LLC. Than I have renters sign a separate agreement with the LLC for the cart. Still not perfect, but safer than any other way.
Probably not cost effective for a single property, but better than other options.
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