[CURLYSANDY]

Originally Posted by Velvet

Again, all that means is that the renter is not stealing the cart - not necessarily that they are covered or you are covered incase of a mishap.

So, I have just asked the following question: "If I give permission for a Renter of our villa to drive our golf cart, they would also be insured"?

The Villages Insurance Agent replied "Typically, they won’t cover tenants but The Villages Insurance has a strong relationship with Progressive, so they extend that courtesy for our clients. So, while your policy would cover tenants that’s not usually the case"

So my Renters are insured???

[retiredguy123]

Originally Posted by CURLYSANDY

So, I have just asked the following question: "If I give permission for a Renter of our villa to drive our golf cart, they would also be insured"?

The Villages Insurance Agent replied "Typically, they won’t cover tenants but The Villages Insurance has a strong relationship with Progressive, so they extend that courtesy for our clients. So, while your policy would cover tenants that’s not usually the case"

So my Renters are insured???

With all due respect, you are not asking the right questions. Why do you care if your renter is insured? And what are they insured for? If the renter hits and injures a third party, and that third party sues you, what liability coverage, if any, will apply to the lawsuit? And, if The Villages Insurance has some special arrangement with the Progressive Insurance company, it would need to be documented as part of your insurance policy. Did they offer to provide you with a written amendment to your policy that states exactly what type of coverage it offers? Nothing that an insurance "agent" tells you is binding on the insurance company. The written policy document is created by a team of lawyers and is the basis for any claim against the policy. Insurance agents are basically salespeople who have no legal authority to represent the insurance company. I can almost guarantee that you signed a statement to that effect when you purchased the policy.

[Bay Kid]

Originally Posted by retiredguy123

Here is a link to a law firm in The Villages who can answer any question about golf cart liability. They also have some useful information on their website.

Can I Rent My Golf Cart with My House In The Villages(R)?

Doesn't sound good for allowing cart use with a rental. Especially those Air B&Bs, which would be the worst to own with all the different multifamily users.