Fred-

Not unreasonable considering that it is comprehensive, covering liability (in excess of HO, et al) risks far greater than flying toy airplanes, which doesn't make it into the top twenty risk categories in stats published by the insurance industry. You could probably knock a C-note off that premium if $1 mil is enough. That's up to how conservative you think you need to be and what other risks you may face, but I am unaware of any settlement involving toy airplanes to date that approaches $2 mil. IIRC, AMA raised the ante to $2.5 mil in response to coverage in a similar amount offered by The Great Satan SFA, way back when. I don't see it as a realistic evaluation of the probable threat, except as a 3-sigma deviation. The risk to your fiscal well-being is doubtless much greater while driving the family hack. You don't likely have $2 mil coverage for that (but you would with the PUP).

Abel