OP here, as a follow up to some of the comments, questions. My credit score is well over 800, zero claims for many years on home or auto insurance. Some coverages on Foremost policy:

Bodily injury $250,000 ea person $500,000 ea acc.

Property damage $100,000

Medical payment $5,000 ea person

Uninsured motorist $250,000 ea per, $500,000 ea accident

Collision not to exceed $14,200 less $500 deductible

Other than collision not to exceed $14,200 less $500 ded.

$112 with Allstate

$140/yr for 2018 Yamaha gas cart and $110/yr for 2015 Yamaha gas cart with State Farm.

My Golf Cart Ins bill isn’t due for a couple months, but last year State Farm was only $112.00. Try them.

Go thru your car insurance company, much cheaper

Dod you go through The Villages insurance? I noticed when I was eith them after the 1st year each one of my policies went up drastically. I dropped them and went with Progressive. Everytime I added something I got a bigger discount. Eventually I got my golf cart, car, motorcycle and then home all switched to Progressive. I have to have all high limits to meet the minimums for my umbrella policy. I am saving about 600.00 over the Villages policies now.

Switched from Foremost
 

My Foremost policy went up to $192 with no claims or change in coverage. Switched to State Farm and with same coverage it is less than $100.

Progressive $80 With lots of coverage and with Progressive homeowners. I had Foremost, a Farmers company, and my rate was $180. Dropped them last month.

We cancelled Foremost and are now with All State.I suggest that you shop aground fur better rates. They are out there.

Foremost $186.00, went to my insurance lady and she canceled Foremost and got me progressive for $70.00. Same exact coverages. Foremost casting fools bait in hopes of getting a guppie.

I have Allstate
 

I pay $50.00 per year for liability and Comprehensive insurance with Allstate I have a 2010/Tomberlin E-Merge plus!!!!!!!!

Progressive is cheaper and offers roadside assistance. I switched to them.

Our Foremost policy also increased substantially in cost, about 25%. We switched to Progressive and the saw a drop in the cost from the previous year's Foremost policy.

I just renewed mine with the Villages Insurance Co for my 2016 Yahama for $74.00 a year.

Check out Progressive. Mine is $70.00 for very basic coverage.