???OK - I live on a golf course (Whitmoor CC) in St. Charles, MO and this question comes up every year in the early spring. Usually the question is asked by a "new resident". Our pro shop asks that any golfer who hits a house or breaks a window, to let the homeowner know. We are also asked to take responsibility for our errant golf balls. However, several people smarter than me have said that legally the golfer is not responsible, the homeowner is. There have been many heated arguments about balls that have struck houses, swimming pools, and children's play sets on the course. My neighbor across the street has replaced several windows over the last few years at his own expense. His rationale is " I live on a fairway and I knew what could happen". My feeling is that if you knowingly put yourself in "harms way" you have to prepared for the consequences.
I also inform the homeowner if I hit a house.
By the way, my homeowners policy covers me in case I happen to ding someone or their house. This is a topic that can get heated - good luck and buy the windows with the wire mesh in them. :bigthumbsup: