Just pulled out my policy and looked at it. The personal liability section states that it will cover my activities against lawsuits anywhere, so I was wrong on that point. The medical payments section, however, states that medical expenses will be paid for accidents occuring ONLY on MY property. It also states that accidents involving aircraft are excluded totally, but I am not sure what my insurance company's definition of "aircraft" includes, (dont laugh, you'd be suprised at what some insurance companies will throw in their definitions) and my agent appears to be out of town today.