[Paporter]

Originally Posted by Raywatkins

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.

Interesting. Have you had any claims from renters?

[retiredguy123]

Originally Posted by jbrown132

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.

I don't see how that one page document would prevent someone else, who is injured, from suing you as the owner of the golf cart.

[jbrown132]

Originally Posted by Harleyman

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.

That is incorrect. Last year I went to Arizona for a few weeks and rented a home with a golf cart. I contacted my insurance company and they said as long as the cart was no registered as a street vehicle any liability would be covered under my homeowners and umbrella policies.

[Paporter]

Originally Posted by jbrown132

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.

Interesting. Have any of your renters made claims? Did your insurance carrier approve the Hold Harmless?

[Paporter]

Originally Posted by DimondAngels

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

I’m always amazed with number of investment income properties (rentals) in our retirement community. It’s like living in a Vacation Club Community.

[retiredguy123]

Originally Posted by Dahabs

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.

How much liability coverage do you get for $50?

[retiredguy123]

Originally Posted by jbrown132

That is incorrect. Last year I went to Arizona for a few weeks and rented a home with a golf cart. I contacted my insurance company and they said as long as the cart was no registered as a street vehicle any liability would be covered under my homeowners and umbrella policies.

Was it just a phone call to an agent? Did they put it in writing? I don't see how a homeowners or umbrella policy would cover a liability that is in no way related to your house, especially if you are driving the cart on public roads.

[Dee Smith]

I got insurance for thru Villages

[retiredguy123]

I would just point out the The Villages property management company does not include a golf cart with the houses that they rent. The reason is that they don't want to incur the liability.

[Bewalcla]

I purchased a policy from Progressive, it’s $110. Per year. Call them for a quote

[mikeritz53]

Originally Posted by collector0915

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

Nice thought but they cannot get Insurance on the Cart they do not own. You can get insurance and then charge a Tenant a Fee to cover your cost as an option. I manage 40+ rentals in The Villages and in the Past my Owners have gotten Liability Insurance thru Allstate & State Farm. As long as you do not advertise the cart as part of the Rental they will cover anyone of age driving the Cart

[Marine1974]

I don’t think it would be competitive to rent out your house vs other houses for rent if the renter had to purchase insurance for a golf cart when your house is already covered
under a insurance policy . I wouldn’t use the golf cart or rent the house .
Consider short term leases , what do they do ?

[mepoole]

Originally Posted by DimondAngels

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

I had my golf cart insured through Progressive. I could add renters for the specific period of rental with the same coverage.

[rlcooper70]

I think the Renter can add golf cart insurance to his automobile policy

[jbrown132]

Originally Posted by retiredguy123

I don't see how that one page document would prevent someone else, who is injured, from suing you as the owner of the golf cart.

Does that mean if I borrow a set of golf clubs from my neighbor and I hit someone in the head with a golf ball that my neighbor is responsible? I think this goes under the category that you can sue anyone for anything.