Talk of The Villages Florida - Golf Cart Ins. For Rental

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I I have rented my different homes I’ve lived in, in the winter for many years I would never and I mean never let a renter use my golf cart ( although I don’t have one )lol , like the man said the villages doesn’t do it why would you

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Originally Posted by retiredguy123 (Post 1872252)

Maybe there are different types of umbrella policies. But, the only ones I have ever been offered will only increase the limits of liability for the homeowners and auto policies that you already have. They will not cover any additional risks that are not covered in your current policies. Some people mistakenly believe that their umbrella policy will cover all liability situations.

As a retired agent in Florida with over 45 years in business there are two types of umbrella policies. Stand alone and a follow. You want a stand alone that has it’s own policy language. Follow policies go back to policy language of underlying policies.

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Originally Posted by retiredguy123 (Post 1872016)

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.

Agree.