AMA isurance is not prime but supplemental to your home owners insurance. It only becomes prime if you have no other insurance. Most if not all AMA clubs lease property and insurance is mandatory to keep the lease in effect. Gone are the days when you could take your nitro powered model to the nearby park or school field to fly.
Yes, I agree (except that there are some parks where nitro planes may be permitted). Did something give you the impression that I didn't? It was KE, not me, who was claiming that it was OK to fly any kind of plane in a park so long as they didn't expressly ban that.