*Recall from the preliminary course* when you look at the periodic table, the further to the lright and the closer to the top, the more electronegative the element will be. The most electronegative element is Flourine and it has a EN of 4. This means when other elements are combined with F, electrons are more likely to be found as it get closer to the F atom.
However, when it comes to determining the polarity, it does not solely depend on the negativity of a substance but also the angles, thus, the structure of the substance. For example, when considering a methane - CH4 molecule, even though C is more electronegative than H, this molecule is NONPOLAR due to its structure. In other words, there are only ends of +'s on the outside, and for a polar molecule you are required to have opposite ends of +'s and -'s.
Here are more examples... Let's consider a NH3 molecule in a 3D point of view, it's like some sort of alien with 3 legs separated by angles of 120 degrees that are directly connected to it's head. (Do you get what I mean? If you can't ask your teacher for those cool little toys in chemistry - molecular modeling - hehee.. I love MolyMod and make an NH3) Since N is more electronagtive than H, electrons are "drawn" to the N molecule, together with its structure they allow the molecule to be polar.
Note: in this case N is NOT IN THE MIDDLE.
For further consideration with respect to the NH3 molecule (hehee... here's where my teacher's little jokes come in). Imagine the N molecule is sharing its lunch (electrons) with 3 H's. In all 3 pairs they each contribute half of the lunch (one election). Now one H+ molecule (pratically a proton) comes and join with the sharing. BUT, but, it's not sharing any lunches and just pinch two electrons from the NH3 molecules and now you have a NH4+ molecule. So, back to the alian description of the NH3, N is now OFFICIALLY in the middle and it is not polar anymore.
The COH bond as mentioned above is also a really good example for a polar structure. Technically, when you are illustrating the COH bond at the ENDS of alkanols or similar substances they should be drawn at an angle. If it was linear, there will be no polarity.
You are not an idiot