Oro Valley is built around golf, and the liability of playing it is the mirror of living beside it. A ball that injures somebody is a claim against the player, and the player is usually surprised to learn it.
Injuring someone with a golf ball is a personal liability claim. Whether it was an accident is not the whole question.
Three things about liability on a course.
A golf ball carries enough energy to cause lasting harm, and head injuries from errant shots are the reason this is not a trivial subject. The claim is made against the player, and personal liability on the homeowners policy is the first thing standing behind it.
Cart accidents, particularly with passengers and on slopes, are a common source of injury. Whether a club-owned cart, a privately owned one or a personal cart is involved changes which policy responds, and the answer is not always obvious.
It is not limited to your property, which is the useful part. The limitation is the limit itself, usually set years ago at whatever was offered, and an umbrella above it is the inexpensive correction.
Activities away from the house.
Ownership changes which policy answers for an accident.
Frequency is the honest measure of exposure.
The number an umbrella has to sit above, and usually a default.
Tell us whether anyone golfs regularly and whether the household owns a cart.
We set the liability limit for the things you do away from the house.
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