When I lived on a course in Minnesota I have a zero deductible glass waiver for the house much like you have for a car. But I still had to repair stucco chips where golf balls hit them. I knew it went with the territory. One of our neighbors had the same window broken 13 times. We were not allowed to put up nets due to neighborhood rules. I knew when I came to The Villages I had enough of living on a golf course since I spend enough time playing. I have never broken anything on anyone's house but have left my business card a couple times when I hit the side of the house. Our club had a rule that was never enforced that you and your guests (meaning you) are responsible for any damage done to neighboring properties. We found out that rule had no teeth. Even if the club knew who did it they said there is nothing they can do.
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