Rented a golf cart but can't find anywhere to insure it for 1 week.
 

We just rented a golf cart for a week as my kids are coming for a visit. We want to get some insurance in case of an accident or whatever. But we can't find any place that does insurance for a renter. The Villages ins says there minimum policy is for 6 months.

What do people do???

Pay for the 6 months, then cancel when you don't need it. However, my insurance company requires a VIN and such.

Check with your insurance agent. May be covered like a car rental

Who did you rent it from?

See if you can get a rider on your car insurance, do NOT use homeowners insurance.

Why ?

I ran into the same issue when I was renting a home for the winter months here. It actually came with a cart included, but the language specifically stated that the cart came with no liability insurance for me. I would have to find that on my own. I checked out places that rented carts out, like The Villages Golf Carts, but not just them, and nobody offered insurance with the cart. I called my homeowner's insurance agent, who also does my cars. Nope. He could insure me if I bought a cart, but not if I rented one.

I was very nervous about the idea of risking everything I'd worked my whole life for, just to ride around in a cart. We all know how it is. Someone on a bike does something stupid and I nail them, it's going to cost me. And, to be honest, I make mistakes. I'm not careless at all, but I goof up sometimes.
My solution, as crazy at it sounds, was to buy a cart. At the time I had to find winter storage for it, and now we have our own place, and it all worked out, but it seemed really crazy at the time.

This was 4 years ago, so maybe it's different now, but I doubt it.

Previous discussion indicated the hang up is insuring something you don't knows. YMMV

Progressive and Foremost have been brought up in the past.

Florida Golf Cart Insurance Requirements | Progressive

Golf Cart Insurance: Get a Quote Online | Progressive

In general the homeowners polices only cover the cart when it is in the garage or driveway (think theft), from what I have seen they offer no liability or medical, etc.

Consider adding an umbrella policy to your auto insurance. I added $1Million for about $100/year. Let me tell you why that is a good idea. Most auto policies have $50,000 medical coverage (injury). That will be used up by you or the other driver in about 2 days. It will be used up in hours if there are multiple occupants of either car. Hell, an ambulance ride eats about 10% of that and you're not even at the hospital yet.

So what, I pay 13 months of auto insurance every 12 months, I pay an extra $100 a year for a million dollars additional coverage. That's my recommendation.

Great ? Appears that you are renting from an individual. Cart insurance is around $200 a year. If this was pro rated for the year, cost would be $4.00 a week. Even if an entity charged 25X more the cost would be $100 for that week. Tough to make money off of that potential premium. Administrative costs would be out of sight.

Check with whoever you are renting from to see what is needed.

I have looked extensively for this type of insurance but without any luck. You have to own the cart to get insurance. Even now that we have moved here and own a cart (& car) that we insure, we couldn't get coverage for a cart rented from a company or extend the coverage to covers a friend's cart. Perhaps the umbrella policy ???

Every insurance company I checked, when i was renting with golf cart included, would not write a policy unless you owned the cart.

My insurance company, through Allstate, told me in very specific terms, that my umbrella policy would NOT cover any liability I incurred while driving a rented cart.