[zummy]

Agree excess policy not applicable. Try renting from a business renting carts and confirm they have coverage. Don’t risk being uninsured

[VApeople]

Originally Posted by ComingfromCT

We just rented a golf cart for a week as my kids are coming for a visit. We want to get some insurance in case of an accident or whatever.

What do people do???

The easiest solution is to leave the cart at home and drive your car.

We have lived here 7 years and do not own a cart. We can easily go anywhere we want in our car.

[Bay Kid]

I am going to include a cart with my 3 month rental. Am I protected? Should I require the renter to be responsible?

[Papa_lecki]

Originally Posted by Bay Kid

I am going to include a cart with my 3 month rental. Am I protected? Should I require the renter to be responsible?

Reduce the price of your home rental by $25 a day, write a separate rental agreement for golf cart for $25 a day.

[nn0wheremann]

Originally Posted by ComingfromCT

We just rented a golf cart for a week as my kids are coming for a visit. We want to get some insurance in case of an accident or whatever. But we can't find any place that does insurance for a renter. The Villages ins says there minimum policy is for 6 months.

What do people do???

When we rented the first year we came here we ‘bought’ the cart for the going price, paid $1 down, with the stipulation that we could return the cart within the rental period for a full refund of the ‘purchase price’ if we were ‘dissatisfied’ with it. The rent for the cart was in the rent for the house. Then we insured ‘our newly purchased’ cart. We of course returned the cart at the end of our house rental period. I don’t remember if we got our $1 back, but that has never been a concern.

[sowilts]

Originally Posted by villagetinker

See if you can get a rider on your car insurance, do NOT use homeowners insurance.

Yes I have a policy through USAA.

[Whitley]

Originally Posted by ComingfromCT

We just rented a golf cart for a week as my kids are coming for a visit. We want to get some insurance in case of an accident or whatever. But we can't find any place that does insurance for a renter. The Villages ins says there minimum policy is for 6 months.

What do people do???

The place you rented from doesn't offer insurance (like when you rent from Hertz)?
If not ty your auto insurance provider. See if they will add it.

[Whitley]

I am not a golfer; how does it work when you go to a golf course and rent a cart?

[jarodrig]

Originally Posted by Whitley

I am not a golfer; how does it work when you go to a golf course and rent a cart?

You don’t “rent” the cart as it’s considered part of your greens fees.

You’re covered by them while operating the golf cart while on the golf course .

[Bill Dozer]

It will still need coverage and you or the renter must provide it. If an accident happens both of you are liable.

[Wondering]

Originally Posted by ComingfromCT

We just rented a golf cart for a week as my kids are coming for a visit. We want to get some insurance in case of an accident or whatever. But we can't find any place that does insurance for a renter. The Villages ins says there minimum policy is for 6 months.

What do people do???

You don't need it. Your car insurance should cover it.

[rjm1cc]

No reason to sell something if you can not cover your costs. My Allstate policy is about 70 a year. My guess is you will have to buy an annual policy.

[kkingston57]

Originally Posted by Bay Kid

I am going to include a cart with my 3 month rental. Am I protected? Should I require the renter to be responsible?

That is an insurance/legal question. In Florida owner of the car is responsible for damages that a driver causes. Not sure if same applies to the golf cart.

[kkingston57]

Originally Posted by ElDiabloJoe

Consider adding an umbrella policy to your auto insurance. I added $1Million for about $100/year. Let me tell you why that is a good idea. Most auto policies have $50,000 medical coverage (injury). That will be used up by you or the other driver in about 2 days. It will be used up in hours if there are multiple occupants of either car. Hell, an ambulance ride eats about 10% of that and you're not even at the hospital yet.

So what, I pay 13 months of auto insurance every 12 months, I pay an extra $100 a year for a million dollars additional coverage. That's my recommendation.

Was in the insurance biz. Umbrella coverage pays for damages OVER an existing policy limit. Do not know of any umbrella policy which will pay for damages if there is not ANY coverage for the cart. OP needs to check with a professional on this question.

[Altavia]

OP - you are probably aware so many wrong guesses and incorrect responses here...