Elliott v. State Farm Florida Insurance Co.

The issue presented is whether a homeowners’ insurance policy covered a golf cart accident that occurred on a private road near, but not on, the insured’s residential property. We find that this accident was not covered under the homeowners’ policy of the insured, and we affirm the trial court’s entry of a declaratory judgment on behalf of appellee.

Alexander, the minor son of appellants Nicholas and Charlene Elliott, was operating a golf cart on a private road within the Plantation at Sewall’s Point community in Stuart. Katie, the minor daughter of appellant Linda Frontiero, was a passenger…