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November 2010
East Hillsborough Community Band Presents a “Night on Broadway”
By NOKP Staff The conductors and members of the East Hillsborough Community Band would like to invite the East and South Hillsborough community to a Night on Broadway, November 4th at 7:00 p.m. at the United Methodist Church of Sun City Center. The program will include a collection of favorite show tunes from Fiddler on the Roof, Mary Poppins and the Lion King. Formed in the late spring 2009, the band first performed on
December 17, 2009 and has been delighting audiences ever since. An all-volunteer band, EHCB is committed to “providing an opportunity for musicians of all ages and skill levels to perform with a concert band and fostering the development Shanna Holland, Ken Easton of musicians who wish to make Band Director Assistant Director a cultural contribution to their to present a fun, welcoming environment to both community.” Members are of all ages their audience and prospective and come from a variety of members. Though they already backgrounds allowing the band have over 40 members, the
band is always encouraging new players to try out. Currently, they are “especially seeking flute, clarinet, saxophone and percussion.” There is no cost to join, and you do not have to be a resident of East Hillsborough County to be a part of the band. Some of the band members are professionals, while others are simply folks who just want to pick it back up after years of not playing. There are a few simple
East Hillsborough Continued on Page 2
Cart Insurance off the Course? Submitted by Debbie Bates, Cypress Creek Allstate Office Do you know where your golf cart coverage begins and ends? Not sure? You are certainly not alone. Many of our local residents are not sure whether or not they need to carry golf cart insurance. As an insurance agent I am many times asked if the golf cart is covered under the homeowner’s policy. Yes, the golf cart is often covered under the homeowner’s policy, but what some do not realize is that this coverage only extends to liabilities to others and, then, only while using the cart for golfing purposes. As many of you already know, Sun City Center is a unique community that has received permission from Hillsborough County to use golf carts on public roads within the boundaries of the community. As a result, many of the local residents use their golf carts
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like a second vehicle to travel to the shopping plaza or the post office, sometime crossing State Road 674. This is one of the tremendous advantages of living here. However, unless an individual has an endorsement on the homeowner’s policy or a special golf cart policy, there is not coverage for this exposure. What if an operator of a golf cart pulls out in front of someone causing a collision, backs over a pedestrian in the Sun City Center Plaza or makes a mistake in the parking lot at the Post Office? We all know these things happen. Perhaps you or one of your neighbors has learned the hard way that, in those cases, without an in-force endorsement on the policy, there is no coverage for those accidents. Physical damage to the golf cart is another concern. This can be added with a homeowner’s endorsement or added to a golf
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cart policy. It is not automatically covered under the personal contents coverage of your homeowners, renters, or condo policy. It is excluded under the homeowners protection and would only be covered for physical damage if endorsed onto the policy. In today’s insurance environment most people try to avoid placing claims on their homeowners policy, preferring to save their insurance for a catastrophic loss. For that
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reason, I recommend writing a separate golf cart policy. If you own a golf cart, be sure you understand the language of your policy and get clarification of anything you do not understand. My advice is to contact your insurance agent and discuss your coverage limits, exclusions and exceptions. He or she is your best assurance that your insurance covers all of your assets no matter where you roam.
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