[asianthree]

If we are not going to rent our golf carts out got any idea of where they will be stored if you only have a one plus golf cart garage? Where can the forms be found for golf cart use. Thanks

[renrod]

Does anyone have recent information, based on your recent contact with Allstate? I'm looking for facts, not opinions.
I've already read the OpEd section.

[eweissenbach]

We have rented a home for February and March and the rental included a cart. After we signed the contract the owner contacted us and said his insurer would not cover carts used by renters. He offered to lower the rental by the amount needed to rent a cart, to which we agreed. We have a cart reserved with Jim Followell for the period. All is well

[buzzy]

Originally Posted by renrod

Does anyone have recent information, based on your recent contact with Allstate? I'm looking for facts, not opinions.
I've already read the OpEd section.

I just called my agent in Lady Lake, and she assured me that coverage for tenants was authorized, as before.

[renrod]

Originally Posted by buzzy

I just called my agent in Lady Lake, and she assured me that coverage for tenants was authorized, as before.

[bimmertl]

Originally Posted by buzzy

I just called my agent in Lady Lake, and she assured me that coverage for tenants was authorized, as before.

Here is the exact language from my State Farm golf cart policy.

"There is no coverage while any vehicle insured under this section (Liability Coverage) is rented to others or used to carry persons for a charge".

If a rental agreement includes a golf cart, the cart is rented to others.

Generally, permissive users of the cart are insured as long as there is no fee. So if you let your neighbor use your cart, no problem. It's the rental agreement that brings in the exclusion of coverage.

You could always argue with the insurer that the golf cart was thrown in for free and no specific "rental" of the golf cart was stated. However, the use of the cart is contingent on a rental agreement of the property so I doubt that would fly.

The language isn't that hard to find in a policy. Take a look. It's typically listed in a section that's headed, When Coverge Doesn't Apply.

Doubt the "agent" or whoever answered the phone with that information has a clue what they are talking about. Fairly typical.

[chuckinca]

Just talked to my brother who has a rental that is usually furnished with a cart (he bought the cart for that purpose). He said he is no longer providing the cart to his renters and if I want, I can use the cart when he isn't in TV.

Sounds like the price of used carts will be going down.


.

[l2ridehd]

Some insurance agent and company will figure this out. There are over 2500 rental properties in TV. That is a lot of business to not find a way to make it work.

[buzzy]

Originally Posted by bimmertl

Doubt the "agent" or whoever answered the phone with that information has a clue what they are talking about. Fairly typical.

OK, I'll dig out the policy and take a closer look at exclusions. However, last month I asked her, and she said that Allstate was going to make a decision in October. Today she said that they are "authorizing" coverage for renters. So, I think she understands the issue.

[bimmertl]

Originally Posted by buzzy

OK, I'll dig out the policy and take a closer look at exclusions. However, last month I asked her, and she said that Allstate was going to make a decision in October. Today she said that they are "authorizing" coverage for renters. So, I think she understands the issue.

The only written document you have regarding coverage is the policy and it's endorsements, which excludes coverage. If they suddenly "authorize" coverage for rental carts, get something in writing or it's a meaningless statement from the agency.

[2 Oldcrabs]

I am in a rental home now and told the owner to take the golf cart out because of no insurance. I was at the Allstate office in Palm Ridge, last week, checking on Insurance for our new home. I asked about the cart rental insurance. She said there is a new rule that came out Sept 1st that rental carts are not covered. She was not sure when it would take effect. Possible Jan 1st. She also said that "letters" will be sent.

[CTgolfer]

Our umbrella policy includes our golf carts. Any liabilities not covered by our auto, house, and golf cart insurances would be covered by our umbrella policy.

[lightworker888]

Do you have the umbrella poiicy with? Is it a different company than the one who has your other policies? How can all other eventualities be covered without specifics? Thanks for any info. It sounds like it could be worth looking into.

LW888

[CTgolfer]

Our umbrella policy is with Allstate, as is our auto and golf cart policies. The umbrella policy specifically states it covers 2 golf carts, our car, and our home. I will tell you that in getting other quotes for auto insurance and the umbrella policy, the other insurers I have tried would not cover the golf carts under the umbrella (e.g., 21st Century). When our policies come due, we usually shop around, so I'll check again in 2012.

[buggyone]

If I understand CTGolfer correctly, he is saying that his Allstate umbrella policy increases the amount the golf cart insurance, home insurance, and car insurance would pay for a claim. That is what umbrella coverage does.

I do not believe that an umbrella coverage would include a golf cart rented to someone.

Best idea probably is not to include a golf cart in a home rental. I am sure that an insurance company would not go along with "the cart is free with a home rental" - I bet the golf cart owner would end up being liable for damages and that could take all the fun out of being a landlord.