A median of $789,800, the highest of any large Arizona city, and a great many of those homes sit on or near a golf course. That address carries a specific and recurring kind of damage.
An errant ball is not an act of nature. Who pays depends on who hit it and whether they can be found.
Three things about living where the ball lands.
Broken windows, damaged roof tiles and dented vehicles are routine on a fairway lot. Each claim is modest, each sits against a deductible, and a household that files every one of them quickly becomes a household with a claims history. Most owners absorb them and insure for the serious one.
A player who hits a ball into your window may be responsible if they were negligent, and ordinary bad golf is frequently not negligence. The course may have its own position depending on design and warnings. In practice identifying and pursuing the player is impractical, which returns the matter to your own policy.
Replacing a large window in a high-value house can approach or exceed a typical deductible on its own. Knowing your deductible and whether glass is treated separately is the practical question on a course-side property.
The exposures that come with the location rather than the building.
A landing zone and a quiet corner of a course are different risks.
Set it knowing these losses are frequent and individually modest.
At a $789,800 median, standard construction assumptions do not apply.
Tell us how close the house sits to play and what your current deductible is.
We set the deductible knowing which losses here are routine.
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