Living on a golf course? How is your homeowners insurance affected?


Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
ZIP Code must be filled out!
 Secured with SHA-256 Encryption
writter logo
Written by
Freelance Writer
reviewer logo
Reviewed by
Licensed Auto Insurance Agent
UPDATED: 2017-11-14T21:21:23.201Z
Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
A golfer attempts on a putt

There are thousands of golf courses across the country, and many of them are housing communities too. The idea of living just off of the fairway with the clubhouse nearby is attractive to many golfers and non-golfers alike. It doesn’t hurt knowing that your view will be scrupulously maintained by an entire team of gardeners either.

However, not everyone who golfs can hit the ball straight and consistently make it to the fairway or the green. This means that if you decide to live on a golf course, you should take a close look at your insurance policies. The risk of being hit by a golf ball will clearly be higher than average — whether that stray golf ball hits a houseguest, your home, or your car. When you choose to live on a golf course, you are assuming a certain amount of risk for potential damage from slices and hooks.

Golf course hazards to your homeowners insurance!

Depending on where your house is located relative to the tee box or the fairway, your home is probably the most likely to be hit by an errant ball. Roofs, windows, and siding are all vulnerable, so knowing what your deductible is will be a determining factor in whether filing a homeowners insurance claim makes sense.

If you’ve decided to go with a high deductible to reduce your premiums, consider what that will mean for your out-of-pocket costs to replace windows. Large, picture windows can be costly.

The golfer’s drive hit your ride!

If you live in a golf course community, there’s also a chance that your car might be hit by a golf ball. State laws can vary about the golfer’s responsibility — if you are even able to determine who hit the ball that struck your car.

Review your auto insurance policy and see what kinds of limits there might be for damage to the vehicle that was not caused by a collision. What part of your vehicle was damaged might be a factor in making a claim. If your windshield was hit and was either cracked or shattered, review your policy to see if you have a separate glass damage deductible; if the damage exceeds the deductible, your claim may be covered. If a stray ball left a dent in your hood and you have comprehensive coverage, the amount of damage will come into play here too — if the damage is less than your deductible, you will probably be paying for the repair out of pocket.

Fore! Your guest was hit!

If you live in a golf course community, and you and your friends are out on your deck and a golf ball hits and injures one of your houseguests, does your homeowners insurance cover the injury? This is a situation you should review with your carrier or agent. In most cases, the answer will be yes — this is an injury that happened on your property and your personal liability coverage will often cover this up to your coverage limits on your policy. However, some policies may have exclusions, so it is important to know what is covered and what might not be.

Living on a golf course can be an ideal setting for many, evoking the feelings of living in a vacation-like setting year-round. But before you get swept up by that “always on vacation” setting, make sure you understand the risks and the limits on your policies, because there’s nothing relaxing about paying for broken windows!


The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.

Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
ZIP Code must be filled out!
 Secured with SHA-256 Encryption