RE: Has anyone actually used the AMA Insurance?
They just had a change in personnel at the AMA to handle claims ... that could be the reason things got messed up. The AMA is not perfect, and my guess is, neither are you.
If you have no tenants coverage, then the AMA (read: membership) will likely pay your claim, as there is no primary policy.
I have been in the insurance business for 35 years and am familiar with the AMA insurance and claims processes. I think overall, based on what I have seen on the job, they do a pretty good job. As I said, they aren't perfect.
Also, not sure where you can go buy $2.75 million in liability coverage and a magazine for the price of the annual membership. That is definitely a good deal.