Chuck,
Your statement “Almost to the point that any structural or other problem with the Somenzini Yak has become a peripheral issue” is all so true. My concern is more of the AMA. I know that I have to get out the book now and read more. Based on the statements you made I see no need for AMA insurance. I would rather pay extra to my homeowners insurance than to have to deal with two or more insurance companies. I was under the impression that the AMA would cover cases like this without a problem. Maybe we need to investigate our coverage more.