Check with your insurer. We are covered by USAA and I had the same question. USAA's coverage extends to rented or borrowed vehicles, and they have a list of the types of vehicles coverage is extended to...among other types (RVs, small moving vans, etc), "golf carts" and other low speed vehicles. As long as you are borrowing or renting within the USA, you would be covered according to their phone representative. I'm sure every company is different, so definitely call yours...

I'm not surprised to hear that USAA covers this. They are a great company. Unfortunately for many of us, they won't insure us because their focus is military personnel. I have a pile driven dock on a lake in NY State. There is some risk of ice damage in harsh winters. The only people I know who were able to get coverage against ice damage are retired military, through USAA.

Ask your Credit Card provider. They insure rented cars all the time.

We rented our first few months in the Villages and a cart was included in the rental. However, the landlord had us sign a rider that said we were responsible for any accident involving the cart. It sounded like if we were at a light and were rear-ended that we would be responsible for the damage to his cart!

I spent several days trying to get insurance on the rental and couldn’t get it because I didn’t own it. I asked the landlord to insure it and told him that I would pay for the three months of coverage. It was under $200 a year. After I moved out, I told him he could charge his other tenants for the insurance coverage so it wouldn’t cost him a penny. He refused to take out the policy so we didn’t use the cart the entire three months.

Some winters when I’m away I rent out my home , I don’t own a golf cart , but I didn’t even want a rental in my garage , liability always concerned me , so I always said no carts , but in a few of my homes they did get a nice golf course view .

We have a pile driven dock as well. We have a replacement value clause on the homeowners insurance via Erie for this purpose.

^ This sounds like an outstanding solution. As long as there is a spoken, non-binding understanding (wink-wink-nudge-nudge) that the renters always intend to find the golf cart unsatisfactory by the end of the rental period and they don't ACTUALLY try to buy it.

Here's a discussion from five years ago. Seems like nothing has been resolved!

https://www.talkofthevillages.com/fo...enters-253270/