ORIGINAL: J_R
Lowlevlflyer
''snip"
Years ago, my agent told me the same as yours did. I called the company and was told differently. Some, and I believe Horrace is one, makes his agent put it in writing that he is covered. Another ploy that has worked for some is to ask the agent for a quote of coverage for your models. In every case I have seen, the agent has had to come back and say "I made an error, you are covered".
Having said all that, every state is different, and even the wording from company to company can be different.
Yes JR many years ago I did that. However now USAA (United Services Auto Association, San Antonio, TX) in their policies excludes all hobby model aircraft from any and all general
AVIATION exclusions. Modelers are covered. Incidentally USAA is not just an Auto insurance , as they are now a full function financial institution.
As a plug if you are, or have been a commissioned officer (and now I think non-com.) in any U.S. service, you can become a member of USAA. I joined in '55 when an Aviation Cadet. (Darn, it's been a short 50 years!) Dependents and former dependents of members can be become a member of a subsidiary of USAA. My kids, their mother, and one of my wife's kids are members. USAA may be a tad expensive as to certain other insurance carriers, however the return-of-capital rebates -- a kind of profit sharing -- more than make up for it. In addition there is immediate coverage when you have a claim. Plus RC IS COVERED FOR LIABILITY purposes.