[ComingfromCT]

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???

[shut the front door]

Originally Posted by ComingfromCT

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.

[Babubhat]

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

[Golfer222]

Originally Posted by ComingfromCT

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???

Who did you rent it from?

[villagetinker]

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

[rustyp]

Originally Posted by villagetinker

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

Why ?

[Laker14]

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.

[Altavia]

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

[villagetinker]

Originally Posted by rustyp

Why ?

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.

[ElDiabloJoe]

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.

[kkingston57]

Originally Posted by ComingfromCT

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???

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.

[Garywt]

Originally Posted by villagetinker

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

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

[mpefloral]

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 ???

[terryf484]

Originally Posted by ComingfromCT

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???

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

[Laker14]

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.