I can answer one of your questions. The open member dues for 2007 is $58.00, Senior members (65 and over) get a $10.00 discount. I am not sure just what is covered with the insurence. I do know that first you must file with your homeowener carrier then ama pays what homeowners does not pay.
There may be a lot of people that has not known this, if you want to disscuss the insurence I wish you would start another thread.
thanks
bill