It's not worth it. My straight golf cart insurance is quoted as $132.27/yr ($250k limit), but to add in under an umbrella adds an additional $184/yr ($1M limit) as a recreational vehicle!!!

I can't imagine needing an umbrella policy. They're cheap enough; if I break my umbrella, I can just buy a new one.

Our "add" was less than $20/yr.

Not an issue for me, but I read my Allstate renewal policy for my 2009 Yamaha Drive 2 seat golf cart. They had the correct serial number, but called by a different model name, one that Yamaha did not use until 2021. I inquired. I sent pdf file of the owners manual. They wanted pictures. I sent these. Their underwriter now wants to classify my golf cart as a street legal low speed vehicle because it has rear view mirrors, and headlights. I sent them copies of the Florida statute defining golf carts and low speed vehicles. Mine is definitely a golf cart. No reply for almost a week now.

The insurance business is getting more educated on golf cart safety. Travelers and others have probably learned that when you put the weight of a human body on the rear facing seat of a golf cart it can cause handling issues with the cart. Put 300-500 lbs. on the back of a rear facing seat cart and take a corner. When you do, the opposing tire will be barely on the ground if at all. Very dangerous. I actually witnessed one of these flip on its side because of this.

Most likely, it's considered a significant modification from "stock" as sold by the manufacturer. I am not aware of ANY golf cart manufacturer providing rear facing seats. Rear facing seat just happened to be the modification that got them denied. Large tires, lift kits, speed enhancements, etc. might also fall into the category to get coverage denied. I was told by a Yamaha rep that you should never add a rear seat because the frame and suspension was never designed for the added weight.

I was told by a Yam Rep, the rear facing seats installed by TV is authorized and does not impact the warranty, performance, safety. Yes, 500lbs could impact it......but there are weight limits on "everything".

Last year we received a notice that our State Farm cart policy would no longer insure 4 seater with rear facing. It was a blanket info letter, we don’t own one so maybe just a heads up in case we were thinking rear facing would be beneficial

Interesting. We haven’t received that letter from State Farm and we have one. Our annual policy just renewed at same rate as always.

Yes, and we all have seen the average sized of a "Villager" "Danger Will Robinson, Danger"!

I think the point is, Insurance companies get data on accidents, etc. and something somewhere is showing golf carts with rear facing seats have more accidents and they don't want that risk anymore. What else needs to be said?

And, I wouldn't be "fooling around" with liability insurance becasue in an extreme case where someone gets really hurt, they could take much of what you have.

I would check State Farm. I have a golf cart and umbrella insurance was not a problem, never asked about rear facing seats. I have been with SF since college, almost 40 yrs. The umbrella is not cheap in FL. I built my home here couple years ago. Went to SF and learned my umbrella was 6 times the cost in WA, both SF offices. I asked why am I paying 600% more than I was in WA, she said FL is a very litigious State. Great :(

yes, FL is a very litigious state, though I can't figure out if its the state legal setup, or if its the type of residents who live here, with such a disparity of incomes throughout the state. .

If you have assets(besides real estate) might not be a good idea. Persons falling from a golf cart can die or have serious injuries. Hitting pavement at 20 MPH not good

And a street legal vehicle requires glass and windshield wipers