I think that [link=http://www.modelaircraft.org]AMA[/link] insurance (upwards to $2MM) is secondary to homeowner's, which you don't have, so we would assume that it would be primary. In flying as a club, the club has to list the flying site owner of note as an 'additional' insured party (at additional cost) for flying site insurance coverage. Additionally, [link=http://www.modelaircraft.org]AMA[/link] mandates guidelines for spectator and property separation as well as flying according to [link=http://www.modelaircraft.org]AMA[/link] guidelines for pilot performance. I am assuming that if you are flying in an 'unsafe' (by [link=http://www.modelaircraft.org]AMA[/link] standards) manner, that they may deny coverage in the event of a catastrophe. That being said, what's a modeler to do? Get renter's insurance with a special 'rider' for R/C?