I am a member of AMA, not because of insurance but because of the magazine and it promotes our hobby. Insurance is not really a consideration. Like previously said, homeowners then landowners then maybe AMA. But the organization does represent our needs with the FCC and other agencies as well as give us a basic set of safety guildlines to follow. Every organization cannot be everything to all. I don't know of anything AMA has done in direct support of our club. That being said, the cost is acceptable. Much less than most other organizations fees. And as we all know, if you are going to fly in a club, most require AMA membership. I'd say a $1 is more than worth the return.