UMA sells insurance for $38.
their website is http://www.unitedmodelers.com/

The AMA is an organization of modelers that happens to cover you with insurance. If you think the future may hold flying with several people, you can form an AMA club and get insurance to cover the club and the landlord for liability, as well as sanctioned competition. The cost of AMA membership is $58. Take a look at the services they offer at http://www.modelaircraft.org/templates/ama/


You have to decide if the additional services and support are worth the additional $20 to you.