Originally Posted by bimmertl (Post 1023222)

This is the only valid post on this thread so far and it hits the nail on the head. You can't just throw numbers out as to what you pay for golf cart insurance. You need to know what coverages you are buying. The list of coverages provided by this poster are the coverages every Villager should request and as stated, with most companies it will be a separate policy. Street legal carts will cost more.

If you are paying $100 a year or less you are most likely underinsured for all the risks you are exposed to in The Villages.

Originally Posted by dbussone (Post 1023274)

Bimmer - I have a fairly expensive cart only policy. If I also have an umbrella policy should I look at a less comprehensive cart policy?

Originally Posted by bimmertl (Post 1023505)

In order to get an umbrella policy you need to have "required" underlying limits on all of your other policies. My umbrella requires underlying limits of 250/500/100 on auto and golf cart policies. I believe those limits are pretty common for most umbrellas.

The intent of an umbrella is for more or less for catastrophic losses and not to be the primary policy relied on in most situations. So the high underlying limits are needed.