DH and I recently bought a golf cart to use in our new FL neighborhood. The golf cart is not street legal, max speed of 25 mph, and has two rear-facing seats with seat belts. Our intent is to use it to ride around the neighborhood, take it to the Clubhouse, etc.
We had no problem insuring the cart including getting liability coverage, but when we contacted our auto/umbrella carrier to extend our umbrella coverage to the golf cart, the carrier says they are going to cancel our umbrella policy altogether. We asked our broker if we could just exclude the golf cart from the umbrella coverage - ie not make any changes to it at all - and he said the carrier won’t allow that. Now that they know we have a golf cart with rear facing seats, they aren’t willing to offer umbrella coverage at all.
Our broker got us a quote for standalone umbrella coverage, but it’s about 2.5x more expensive than what we were paying. Our broker, although he’s independent, only has access to certain lines of carriers.
Does anyone living in FL have a similar golf cart and also an umbrella policy? If so, I would appreciate any referrals to FL insurance providers.
We had no problem insuring the cart including getting liability coverage, but when we contacted our auto/umbrella carrier to extend our umbrella coverage to the golf cart, the carrier says they are going to cancel our umbrella policy altogether. We asked our broker if we could just exclude the golf cart from the umbrella coverage - ie not make any changes to it at all - and he said the carrier won’t allow that. Now that they know we have a golf cart with rear facing seats, they aren’t willing to offer umbrella coverage at all.
Our broker got us a quote for standalone umbrella coverage, but it’s about 2.5x more expensive than what we were paying. Our broker, although he’s independent, only has access to certain lines of carriers.
Does anyone living in FL have a similar golf cart and also an umbrella policy? If so, I would appreciate any referrals to FL insurance providers.