Insurance?

[royr]

There is a lot of discussion about golf cart insurance, but it is hard to find recommendations on who to use.
I have an electric cart that is legal (less than 20 mph). I sometime rent my house and allow the renters to use the cart.
Does anyone know who to call for insurance that will protect me, my cart, and my renters?
I know Allstate insures golf carts, but who else?
Thanks

[mulligan]

You will find it difficult if not impossible to cover your cart and personal liability under those circumstances.

[rjm1cc]

Try AAA.

[ijusluvit]

You will find it difficult if not impossible to cover your cart and personal liability under those circumstances.

This is no longer true.
On October 2 I posted the following information:

"If you ever rent your home and would like to provide a golf cart for your guests, you probably know that presently, no insurance company will provide liability coverage to protect you if you rent the cart.

That is still true. However, last Friday one well known company changed (or maybe clarified is the better word), their policies in this area to allow you to "give permission" to someone to use your cart, even if they are renting your home. If you do not directly charge a fee for the use of the cart and have a statement somewhere that you gave permission for it's use, both you AND the renter will be fully covered by the policy. Four local agents had to make a special appeal to the company's home office to get this interpretation approved. The policy is their standard one, and there will be no surcharges for this new 'extension' of coverage.

I don't want this thread to be removed because it is construed as advertising for a specific company. Send me a PM and I'll give you the details and a contact person who was involved in the meetings about making this change."

The company is Allstate. I switched from Progressive, at about $100, obtained through AAA, (which eliminated all liability coverage for owners and renters), to Allstate. The new policy offers higher liability limits, keeps them in force if you let a renter use the cart and costs me $64.

[royr]

This is no longer true.
On October 2 I posted the following information:

"If you ever rent your home and would like to provide a golf cart for your guests, you probably know that presently, no insurance company will provide liability coverage to protect you if you rent the cart.

That is still true. However, last Friday one well known company changed (or maybe clarified is the better word), their policies in this area to allow you to "give permission" to someone to use your cart, even if they are renting your home. If you do not directly charge a fee for the use of the cart and have a statement somewhere that you gave permission for it's use, both you AND the renter will be fully covered by the policy. Four local agents had to make a special appeal to the company's home office to get this interpretation approved. The policy is their standard one, and there will be no surcharges for this new 'extension' of coverage.

I don't want this thread to be removed because it is construed as advertising for a specific company. Send me a PM and I'll give you the details and a contact person who was involved in the meetings about making this change."

The company is Allstate. I switched from Progressive, at about $100, obtained through AAA, (which eliminated all liability coverage for owners and renters), to Allstate. The new policy offers higher liability limits, keeps them in force if you let a renter use the cart and costs me $64.

I can verify the post above. If the golf cart is not mentioned in the lease, Allstate says they will cover it. I have a separate "Permission to use my golf cart" agreement for that purpose. I have the "borrowers" agree to take responsibility for all damages, and to indemnify me, but you know how lawyers like to shoot holes in that sort of thing. I figure it can't hurt to try, but I am not really comfortable about what "could" happen.

[Steve & Deanna]

We went through The Villages Insurance to insure our 2008 EZ GO gas at a cost of about $80.00/yrly. We did not have it attached as a rider to house or motor vehicle. It is a stand alone policy.