It depends on the specific circumstances and the coverage in your homeowners insurance policy. Most standard homeowners insurance policies provide liability coverage for bodily injury claims made against you, including accidental injury caused by you or a member of your household.
However, there are some exceptions to this coverage. For example, if the injury was caused intentionally or as a result of illegal activities, it may not be covered.
If you were participating in a golf game and accidently hit someone in the head with a golf ball, your policy will likely provide coverage.
If you are concerned about potential liability for injury caused while participating in a recreational activity, such as playing golf, it is recommended to speak with your insurance agent to determine if you have adequate coverage and to consider purchasing an endorsement or separate policy for added protection.