Originally Posted by jasonmiller888 (Post 918847)

If your golf cart insurance is with State Farm, the Villages, or Progressive, your renter will not be covered. Progressive said that the change was effective May 1 2014. I called Thomas Insur. today and was told the renters are covered. Then I called Progressive and found out the truth. I will call allState tomorrow to see if they cover renters. Does anybody know of any insur. company will cover your renters under your golf cart insurance?

8/5/14 I called allState and it does not cover renters either. I talked to Todd Brown 352 399 7667 and confirmed that there is NONE out there to cover your renters. You need to see it in writing if your agent tells you that your renters are covered. There were 3 agents verbally told me the renters are covered till I asked for the writing.

Also, your umbrella insurance will not kick in if the golf cart injury claim is denied by your golf cart policy.

Originally Posted by big guy (Post 930289)

The Kevin McDonald agency (Allstate) will cover renters in your golf cart. However, you can not advertise the cart as coming with the rental nor can it be pictured in front of the house. If so, and the adjuster or underwriter learns of it, the policy is null and void. I write, "call for information on all amenities".

Originally Posted by Papa Cuma (Post 918923)

Nope. Anyone renting a house with a golf cart is rolling the dice.

Originally Posted by Papa Cuma (Post 919406)

That is all well and good if it makes you feel better but the facts are these.

Lawyers always pursue those with the deepest pockets aka assets, the renter more than likely lives out of state or is a foreigner, the renter may have all their assets in a trust, the renter may not have any assets, the renter may be difficult to find, the renter really has no dog in this fight, he is just a renter. The insurance companies will look for any loophole so as not to accept financial responsibility. What is left is you the owner, a sitting duck for any blood sucking lawyer who will make your life a living hell and cause you many sleepless nights and maybe loss of everything you have worked for.

Originally Posted by bimmertl (Post 930300)

Total nonsense. Agent making up his own rules. As OP stated in first post, ask for this in writing. Agent doesn't handle claims, adjusters do and they'll figure this out pretty quickly and you'll be out of luck.

Originally Posted by naneiben (Post 930353)

Lower the rental cost a bit, bag the cart. A nice touch might be to compile a listing of cart rental companies for your tenants' use.

Why live with the uncertanties of what happens in the event of accident? Who needs the stress?

Rentals are in demand. It will rent without the cart. All MHO.

Originally Posted by Papa Cuma (Post 919406)

That is all well and good if it makes you feel better but the facts are these.
Lawyers always pursue those with the deepest pockets aka assets, the renter more than likely lives out of state or is a foreigner, the renter may have all their assets in a trust, the renter may not have any assets, the renter may be difficult to find, the renter really has no dog in this fight, he is just a renter. The insurance companies will look for any loophole so as not to accept financial responsibility. What is left is you the owner, a sitting duck for any blood sucking lawyer who will make your life a living hell and cause you many sleepless nights and maybe loss of everything you have worked for.

Originally Posted by ricthemic (Post 931190)

Fl courts hv ruled golf carts a dangerous item. The golf cart owner is liable for anyone driving the cart if he gave permission to use it. So that includes neighbors and friends