What happens if my golf ball hits a person or a car? Does my insurance pay for damages?

It’s more common than many realize: a stray shot hits another player or damages a parked vehicle. In these cases, you could be held personally liable—especially if the incident involves negligence, such as hitting into a group or failing to call “fore.” Fortunately, most Homeowners insurance policies include personal liability coverage that may respond to accidental injuries or property damage that occur off your property, including on a golf course.

That said, coverage is subject to policy limits and exclusions, and for individuals with significant assets or elevated exposure, this is where a Personal Umbrella policy becomes essential. An Umbrella policy provides an extra layer of liability protection above your Homeowners and Personal Automobile policies, helping cover legal fees, medical expenses, and property damage in more serious or costly incidents. If golf is a regular part of your routine—or if you simply want peace of mind—it’s wise to review your liability and Umbrella coverage to ensure it’s properly aligned with your risk.