When your insurance company is asking you if you live in a gated community, what they really want to know is if you will be driving on pubic or private roads.
In TV you are on public roads and we are NOT a gated community.
The home owner policies that cover golf carts, in many if not most cases, only do so when the golf cart is used on the golf course itself. You need to be very specific in asking the right questions of your agent and not assuning simply because I "think" I have coverage that in fact you have it. If or when a claim is made against the policy that is the only time you will reallly find out you are covered and, unless you do "due dillegence" before hand which you are now trying to do, ...it can be very costly.
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