Who pays for the damage when a golfer accidentally breaks a window while teeing off?

When a golfer accidentally breaks a window while teeing off, the responsibility for the damages typically falls under the golfer's homeowners liability coverage. This type of insurance is designed to protect policyholders from accidents that occur both on and off their property, which includes incidents caused by the insured's actions.

Homeowners liability insurance covers bodily injury and property damage caused by the policyholder or family members living in the household. In this scenario, when the golfer's swing results in damage to someone else's property, such as the broken window, their homeowners insurance would likely step in to cover the costs associated with the repairs.

In contrast, the other insurance options mentioned wouldn't apply as directly. The golf course's liability coverage generally protects the golf course owner from liabilities incurred on the course itself, rather than damage caused by individual golfers. A homeowner's property insurance typically pertains to damage to the policyholder's own home and possessions, not damages they cause to others. Lastly, auto insurance would not be relevant unless the incident involved a vehicle, which it does not in this scenario. Therefore, the golfer's homeowners liability coverage is the appropriate source for addressing the damage caused.