If some of those that gripe so much about paying the AMA dues would spend HALF as much time trying to see what they could do to improve the organization and promote the hobby as they do complaining about "what's the AMA done for me lately", they wouldnt NEED to question why they should renew. The insurance and the fact that I am required to have it at my club field are enough justification for me to renew every year. I figure that if I was destitute enough to wonder if I should spend the money to renew, I probably shouldnt be spending money on R/C planes anyway. And, by the way, if you think that your homeowner's insurance will cover you if you are out flying somewhere, you better read up on your policy a little better. Unless you are on YOUR property, it aint gonna happen!