Golf Cart Ins. For Rental
 

I am including the use of my golf cart with my house rental but I am concerned with any liability risks. Does anyone have any experience with including a golf cart with your house rental?
Kevin dimondangels@yahoo.com

The only *possible* company that I know of might be Foremost Insurance.

I can tell you that when we took out our golf cart policy with Foremost, we were specifically asked if we made the cart available to renters. We do not rent so the answer was an easy no. That being said, if I answered yes I do not know if they would have denied us coverage or just charged a larger premium? I would call an insurance agent and ask.

Golf Cart Insurance for Renters
 

I would have the renters secure their own cart insurance for the entire rental period and provide proof.

I don't think there is a good solution to your problem. You will be putting yourself at risk unless you buy your own liability coverage for a substantial amount of coverage. And, the insurance cost would be too high to make it worth the rental income. I would tell the tenant to rent their own golf cart.

Certainly, the premium would be higher for a rental than for personal use. I agree with retiredguy that the renters should rent their own cart. It shouldn’t be a deal breaker.

You cannot insure something that belongs to someone else. You must have an insurable interest in something to insure it. No insurance company will insure someone else’s golf car for a person who does not own it.

Primarily for liability reasons, I did not include a golf cart with my rental. Instead, I contacted a cart rental service and arranged a cart for my tenants, who were responsible for leasing and insuring the card.

We insured through The Villages who got us hooked up with Foremost. The first year or two they didn’t cover renters. They then changed their coverage. We put in our lease terms that the guests are only covered as far as our policy allows.

Our attorney advised us to place our rental in an LLP to limit our personal liability for anything a renter may do. I.e. tripping on a rug, slipping and falling in the garage after a rain etc. I would check with an attorney to see what is the best approach for your rental property and cart.

This is my understanding as well. Coverage was updated to include renters for a nominal increase (less than $50) in premium. For many renters lack of a golf cart could be a deal breaker.

There is one answer if a renter hurts or kills someone in a golf cart accident "you" the owner will be on the hook. It doesn't matter what your renters sign to accept liability it will fall on the owner of the golf cart if the injured decide to sue. It's a huge liability to let renters use a golf cart or for that matter to lend one out. Proceed with that knowledge as owners give golf carts all the time with rentals.

You can insist your renter takes out insurance ( not expensive at all) or you can add insurance to your car insurance ( also not expensive ?
Either way you NEED to be covered

Yes that is who I have

I rented my house for a couple of years before I moved down permanently. My attorney drew up a one page document that for the renters that held me harmless and excepting full responsibility should the get in an accident. They were told to contact their own insurance company to see if their homeowners or other policies would cover them.