[HelenLCSW]

We are paying $38 per year as an addon to our homeowners with Hartford. The major issue with most golf cart owners needs to be liability not damaged-most of us will never put in a damages claim since even a small damages claim would make our insurance premium go up.

[silvers1664]

Originally Posted by Biker Dog

We also have our carts insured with Allstate with the same coverages. Our Agent told us "Do not list the golf cart in the rental agreement or the cart will not be covered. Then they will be covered as permissible users and the insurance will cover them & the cart?

Somehow something about this does not seem right. Why would an insurance agent tell you to LIE about your golf cart on a rental agreement? I think a call to Allstate's head office would be in order for further clarification. I withdrew my golf cart from my rental as my agent (AAA in The Villages) told me rental property is NOT the same as my personal home. I can give permission for guests staying in my HOME to use my cart or car and I'm covered should an accident occur. When a contract, i.e. rental property, is involved and money is exchanged, its a different set of rules and my golf cart is NOT covered by insurance and I'm subject to a liability suit if anything should happen. Better to be safe than sorry.