Fore! - Insurance for Murcia golf course residents!

Moving onto a residential golf course like Roda Golf or Corvera Golf in Murcia, is a fantastic way to make new friends! However, for some, it can also be a fast track way to filling the pockets of the local glaziers! All Murcia golf course residents should be aware of the insurance possibilities before they find themselves on the receiving end of unwelcome window replacement bills!

Who should be paying for broken windows? While the law varies from place to place — and from case to case — it's very rarely the offending golfer who is responsible for the breakages. The simple fact is that if you live on a golf course, you assume the risk. But there are several ways you can protect yourself.

Firstly, before you buy, look at where the villa or townhouse is in relation to the hole! If the home is behind the tee, it's not likely to get hit. But it's going to get hit occasionally if it's 200 yards out on the right! Why the right? Because a lot of bad golfers are habitual slicers!

Secondly, ask the developer or seller to document in writing any issues they've had with stray golf balls. Have an lawyer review any clauses that might release the golf club or developer from liability. If balls keep raining down, the club really has a duty to do something about it. Sometimes it's a case of the tee boxes not being olined up properly, and if the course lines them up slightly better it can solve the problem.

Thirdly, and most importantly, check what your insurance covers! Including the deductible for broken windows and liability protection. This will generally only cost 500 or 600 euros per year.

Of course, against these "dangers" we also have to consider the upside! So don't be put off, but remember, living on a golf course has some risks as outlined above, but with being in a gated community like Roda Golf and Beach Resort or Corvera Golf and Country Club - the two permier luxury golf residential complexes in Murcia, Spain - means that crime figures are so low as to be non-existent, the possibilities of having ones car damaged are completely negated, and of course the health benefits of living in sunny Spain, and the reduction of stress, means a long and healthy life. For you - if not your windows!