There are many statements that can be made about this topic, Arty, but you need an answer. You asked a question and the answer is YES, YES, and YES. No amount of paperwork or insurance policies are going to keep golf balls off a property adjacent to a fairway. If you want to protect yourself further, you can put up a safety net, retrofit with plexi shields for the windows, and grow cypress trees in the direction of the tee box. I should know, I'm both a golfer and a Porter Ranch Real Estate Broker. If you need more information about Porter Ranch Country Club Homes, you can reach me at (818) 528-4410. Have a great 4th of July weekend.