The other day a friend of mine bought an electric golf cart for use at the trailer park community where he vacations. He wanted to know if he needed to buy a special liability policy. "No need to," I told him,"Your homeower policy will extend liability when the cart is used on the grounds of a private residential community where golf carts can legally travel, is under the authority of a property owner's association and contains an 'insured' residence." His trailer home would be considered an 'insured' residence even though he was only living there temporarily. Of course the homeowner will also respond if the motorized cart is use on a golf course too. What a concept!