So basically, as I read what JR is posting, unless you have a homeowners policy or some other type of insurance that covers you while you are flying, the AMA policy wont help you, because it is "excess" coverage, and only covers over and above what the pilot's other policy does not. It only covers the club, it's officers, and the NAMED LANDOWNER. By the way, I spoke with my agent this morning, and as he reads the definitions in my policy, the term "aircraft" covers unmanned, R/C planes as well as full scale. Therefore, they are excluded from coverage. That's what I figured to start with.