I think most RC airplane owners have a home or rent and can purchase insurance somehow. Also a lot of policies are NOT for a month, but 6 months and even a year in many cases. The big boys with all the expensive stuff that travel to all the RC events can afford to pay a fee when they compete or fly exotic aircraft...including helies. The average RC person should NOT have to pay for or part of rich RC peoples insurance PERIOD! Capt,n