AMA insurance covers an AMA member anywhere he/she flys any type model that meets the AMA safety code regulations (which is darn near anything from a paper airplane to a 55 lb 1/3 scale Extra 300... IF you don't mount munitions on it.)

An AMA member is MORALLY bound to follow AMA rules even if not flying at an AMA chartered club facility. (how many people under 60 even know what "morrally bound" means?)

AMA insurance is "excess" meaning it starts where your other policies leave off. (there's huge, long discussions on this... elsewhere.) Some homeowner's policies specificly exclude model aviation activities from coverage... some specificly include coverage.