[big guy]

Thanks to someones' post on here, we were able to find golf cart insurance for the golf cart at our rental unit (Allstate). They tell me that we are not permitted to advertise the golf cart as being included in the rental or included in a photograph with the house. They also said that there are ways to add it to the description of the house but wouldn't tell me how to do it. I guess I'm just not clever. Has anyone had the same issue and come up with a solution?

[redwitch]

You could probably say something in the description that there is a golf cart that is available for renters to use or something to that effect. I think the big problem would be that you wouldn't be able to check off that a cart is available in the amenity feature, which means that renters looking for specifically for properties with a cart would miss yours. It is a fine line right now. Be very sure that your rental price stays the same whether the cart is used or not.

[Villageswimmer]

Originally Posted by big guy

Thanks to someones' post on here, we were able to find golf cart insurance for the golf cart at our rental unit (Allstate). They tell me that we are not permitted to advertise the golf cart as being included in the rental or included in a photograph with the house. They also said that there are ways to add it to the description of the house but wouldn't tell me how to do it. I guess I'm just not clever. Has anyone had the same issue and come up with a solution?

I don't understand. If it's insured, what's the rationale for not including it in the description? Further, wouldn't everyone who rents with a cart have the same issue or is this an Allstate quirk? Seems strange to me or maybe I'm missing something?

[bimmertl]

The policy language strips coverage from an insured vehicle when it is rented to others. The agent is trying to circumvent the rental exclusion by more less "pretending" the use of the cart isn't contingent on signing a rental contract for the house. So don't mention the golf cart anywhere and hope if something happens the folks in the Allstate claim department don't get to involved into investigating the circumstances surrounding the use of the golf cart.

If you don't have something in writing from this agent that states under the conditions of your rental agreement for the property, the renters use of the golf cart is covered, you are bound by the policy language which states there isn't coverage if the cart is rented to others. Arguably, if the use of the cart is conditioned upon you renting the property, the golf cart is part of the rental agreement.

Typical agent trying to use smoke and mirrors to extend coverage beyond the terms of the policy to satisfy his insureds

[Villageswimmer]

Wow, this is interesting. And kind of scary. Seems like if I'm renting and my renters get involved in an accident, I'm really going to be sweating out whether or not the insurance company will pay up.

has anyone out there had this happen?

[mulligan]

SURPRISE !!! the rental cart companies don't have insurance, and if you drive one other than on the golf course, you are un-insured.

[asianthree]

i am betting that if there is an accident...there will be a way to not cover it...still waiting for some company to come up with golf cart with rental..policy every one would go with that company, because it would be in writing. I think this is a policy to make you feel better as long as nothing happens

[Villageswimmer]

Originally Posted by mulligan

SURPRISE !!! the rental cart companies don't have insurance, and if you drive one other than on the golf course, you are un-insured.

Yikes. I wonder who is liable if there are injuries?

[Villageswimmer]

I think that we ever rent our place, we'll rent WITHOUT a cart. Not comfortable with the uncertainty here. You do the right thing and buy insurance but need to keep your fingers crossed that a future claim would be honored. This could be financially devastating.

Anyone know...is this just Allstate?

[big guy]

Originally Posted by naneiben

I think that we ever rent our place, we'll rent WITHOUT a cart. Not comfortable with the uncertainty here. You do the right thing and buy insurance but need to keep your fingers crossed that a future claim would be honored. This could be financially devastating.

Anyone know...is this just Allstate?

Allstate is the ONLY insurance company that will insure a rental golf cart. It wasn't expensive.....$129 per year for 2 carts. My husband had the same problem understanding this until I put the insurance woman on the speaker phone and had her repeat it. She said in the case of an accident with a golf cart (from a rental unit) that is insured by them, para-legals research it to make sure it is not advertised as being included in the rental. I am beginninng to think we would be better off to not have a golf cart with the rental. Seems like I am going to extremes to insure that we not get sued but in this day and age, it doesn't take much.

[Villageswimmer]

This, IMHO, is a topic that would be good fodder for a newspaper article. People should be aware of this. Presumably, everyone advertising their rental property with a golf cart included is at risk. Don't even bother buying insurance.

[bimmertl]

Ask the agent to provide either specific policy language that spells out your owned cart is insured if used by renters. If it's not in the policy have them provide something in writing clearly explaining it's covered. It's imperative you have this in writing. The standard policy will exclude coverage. Where exactly is it written stating there is in fact coverage.

Go back to what the OP on this thread was told. It's can't be advertised. Oh really, allegedly the only company that will insure rented golf carts doesn't want anybody to know about it. Does that make any sense at all. So the fewer policies Allstate sells the happier they are? Then they go on to tell their insured there are ways to add it to the house but we just can't tell you about it, really! Para legals research it? That's nonsense.

The simple response is to ask the agent or agents staff person to put all of this in writing. Since it must happen all the time, wouldn't they have a form clearly explaining all this. The only written document you have is the Allstate policy. If it's not in there, where is the language granting coverage?

[asianthree]

Originally Posted by naneiben

This, IMHO, is a topic that would be good fodder for a newspaper article. People should be aware of this. Presumably, everyone advertising their rental property with a golf cart included is at risk. Don't even bother buying insurance.

this has been on going for years...check the threads and posts.

[big guy]

Originally Posted by bimmertl

Ask the agent to provide either specific policy language that spells out your owned cart is insured if used by renters. If it's not in the policy have them provide something in writing clearly explaining it's covered. It's imperative you have this in writing. The standard policy will exclude coverage. Where exactly is it written stating there is in fact coverage.

Go back to what the OP on this thread was told. It's can't be advertised. Oh really, allegedly the only company that will insure rented golf carts doesn't want anybody to know about it. Does that make any sense at all. So the fewer policies Allstate sells the happier they are? Then they go on to tell their insured there are ways to add it to the house but we just can't tell you about it, really! Para legals research it? That's nonsense.

The simple response is to ask the agent or agents staff person to put all of this in writing. Since it must happen all the time, wouldn't they have a form clearly explaining all this. The only written document you have is the Allstate policy. If it's not in there, where is the language granting coverage?

I will get out my reading glasses and a magnifying glass and read ALL the fine print. We do have coverage but I'm trying to find where it says it can't be advertised that our rental comes with a golf cart.

The scary thing is that if we made a claim and they wouldn't cover it, they have more and bigger lawyers than we have.

[duffer2]

There have been several posts on this topic. We found inexpensive golf cart insurance that covers our renters through Robert Blakley Insurance in Leesburg. We register each tenant on the policy and they get coverage along with us. I charge $50 for the insurance, which is a good deal to have use of a cart for the duration of the rental. There is little chance of coverage denial as the policy is specifically for this and there is no fancy wording in my rental to include coverage. This reduces risk for both the renter and us.