Golf carts
Where the golf cart goes can determine which policy applies.
A homeowners endorsement may not be enough for community-road or street use.
Premises use
Some home policies provide limited coverage on an insured location, but definitions and vehicle exclusions vary.
Community and public roads
Street-legal or community use may require a separate golf-cart or auto-type policy, registration and liability coverage.
Drivers and guests
Youthful operators, permissive users and community rules affect risk.
Physical damage and umbrella
Review theft, collision, accessories and whether the umbrella recognizes the vehicle.
Complete household protection