I agree, interesting thread. Since we have, from my point of view anyway, two insurance experts, I have a question:

Our club officers recently decided to get something which I (not an insurance expert) will call "club officer insurance". In light of their homeowner coverage + the second form of AMA coverage that J_R describes, does this seem necessary? Or is everybody a little paranoid these days? I think it was something like $700 per year for all the officers, I don't know the policy limit.

(I'm not judging them, I'm sure they had good reasons, I'm just curious about other opinions.)