I guess Yanks insure their home, and then they insure their property off somewheres,
Down south, we insure ranches. And most texans will tell you that the have a ranch even if all they have is hay & onions.

Whats a ranch in NYC, 1.3ac? No wonder they like Foamies,FF, & 3D.



Point being, if the land owner purposly gets RC excluded from his insurance, then the Pilot's AMA secondary will be the one hit rather than trying to squeeze cash from the prop owner. Deep Pockets can work for you sometimes, $2.5mil AMA Ins is deeper than you.