HO6, Golf Cart insurance.

Double question:

In a Condo that allows Golf carts of owners and Guests to be parked on the premises, should and can the board have authority to require insurance?

Does a condo BOD have the authority to require HO6 Insurance?

In my mind both of the above fall under the authority of the BOD and provisions should be installed that require and confirm the presence of both kinds of insurance. I suspect many condos allow Golf Carts to be operated and garaged on the common property, doesn't this signify responsibility?

Should/do/can HOA's require and confirm Golf Cart insurance by the individual owners that utilize the common property of the association. That could be roads, parking areas, recreational areas, etc.?

Is any of this covered under any general blanket insurance liability the Condo carries? Generally.

Question: does the HOA require owners of automobiles to have car insurance? I suspect many condos allow cars to be parked and operated on common property, does that signify a responsibility?

If they do, then they should for golf carts. IF they don't, then they shouldn't.

I'm interested in replies to the question about whether HOAs can require owners to keep HO6 insurance current.
1. Can an association require it?
2. If yes, what type of "documentation" is required?
3. Is there an advantage to requiring HO6 insurance? Will our association policy premiums drop?

Susan,
Does your HOA carry liability insurance to cover roads or any other common property. Liability wold be an issue if you do.

As far as I know all condos have to carry liability insurance with their blanket policy along with Fire, Flood, etc. How can you open an open door. The issue is about Golf carts and should they be insured by the individual owners when on common property. That involves liability, I think. Now since we live on an Island and we (Island)is managed by a POA, the POA inspects (safety) and asks for proof of insurance coverage to cover the vehicle on the common property of the POA. The question is does this cover the Golf cart on Private Property (Condo)when parked or driven there. If not, then should the Regime require the owners to cover this situation also. I think they should. Suppose a car catches fire in the garage resulting in damage to a golf cart stored or parked in the garage. Sure, you can say it is the owner of the cars fault and he is liable for all. But the authority for the golf cart to be there was granted by the regime and in our case could well be that the golf cart was stored on common property the the owner is paying rent to the regime. And as far as I can find out the BOD can rent out some common property for specific uses, as long as the property is not partitioned (actually sold). I remind you that condos do levy a charge for such things as a Pool house or community rooms or special pool parties.