useless
which means it's pretty well useless insurance.
Instead of killing off your homeowners THEN trying to invoke secondary insurance (which is notoriously hard to do) why not spend that money on Homeowners and be covered off the bat? The AMA garbage only covers a very narrow field of liability. Homeowners will cover everything, not just this one hobby.
People into hobbies like to get things specific to that hobby. That's why there are checkbook ads in nearly every hobby publication with relevant artwork. There seems to be some clinging to AMA insurance because it's hobby specific.
That's exactly why it's a waste of money. You will be FAR better off raising your coverage under Homeowners and protect your entire existance rather than a couple model planes specifically.
And homeowners doesn't care if you were on an AMA field or not. The AMA insurance is only good if you are flying certain planes at certain places.
So even for the price, it's not terribly useful except in very extreme circumstances. Even if Homeowners cost twice the AMA cost for equal coverage, it's a much better deal since it's not limited to a specific genre of hobby, it will cover you for the part of your life you're not flying as well and it covers EVERYTHING you own. Not to mention it's PRIMARY. Fund the pool that is most realistically going to be drained, not some sub-chapter of it.