Different regions of the US possess different unique threat to homeowners in Golf Course Communities.
However, Golf course communities everywhere share the same added risk of damage. That damage comes from one word, Golfers.
An interesting fact to note is that nearly half of all homeowners who live in golf course communities don't play golf. So many do not realize the risk they face when they buy a home 150 to 200 yards away from a tee box on the right side of a par 4.
For many golfers this is referred to as the slice zone. Houses in this zone can be pelted with little white balls the size of large hail stones regularly if their home is not far off the fairway.
Homeowners insurance was introduced long before the rise of the golf clubs and golf neighborhoods and was originally intended to cover natural disasters, thefts and accidents. Many also cover homeowners from injury liability should anything happen on their property.
Golfers, however, rarely assume responsibility for the erratic shots. While it is the golfer's responsibility to pay for any damage done to property around a golf course, most try to avoid this any way possible. Golfers may just jump to the next hole or deny they broke a window in your home and it can be difficult to find out exactly who broke the window without a confession or a witness. In this case, the homeowner would have to repair damage caused by errant shots.
Golf courses often shy away from paying for damages, although several lawsuits in the past have found courses to be guilty of negligence when dealing with houses that are hit an extraordinary amount of times. There's often confusion among homeowners who is responsible for damage to a house, but insuring your home can help clear it up.
"If you are golfing and breaks someone's window, the golfer is responsible," said Mike Siemienas, an All-State spokesman. "However, if no one claims responsibility or does a "hit-and-run', your homeowner's insurance will cover it."
Siemienas also points out that it depends on your deductible whether filing a claim is even worth it. Deductibles can range from $200 to $1,000 depending on your insurance plan, which might cost more than the broken window itself.
Also, while it may seem more dangerous to live on a golf course, insurance companies don't view golf courses as more dangerous or susceptible to accidents than any other type of home, so most insurance companies will not charge too much of a higher premium just because you live on a golf course.