Originally Posted by
acugnini
We know that AMA membership includes liability insurance coverage for aerial operations. It would be useful to start a discussion on alternatives, for those who don't want to join the AMA. (BTW, no need for the "Why not join" discussion here.)
Although some sources have suggested that homeowner's insurance might cover liability, I suspect that most policies exclude it (as does mine).
Any information out there?
-- agc
Many years ago I joined the AMA for two reasons-1) the insurance and 2) the fields I knew about required it. Today a third reason comes along -the FAA requires a "Community Based Organization" and the AMA is the only one they acknowledge so far. So if you aren't planning on flying at a field that requires it and don't give a hoot about the law, or think the excuse you are flying within the rules of a CBO without belonging to one will hold water, why bother with insurance?
OTOH if you are thinking Part 107 then remember that is commercial and commercial insurance is a lot more expensive.