Abel question. I'm not much of an insurance guy but...

Let's say I put a rider on my homeowners policy which stated I refused coverage for RC activities and then I put my signature on it. You would have to sign something wouldn't you? Or not? I don't know.

Well let's say you did and then you caused an accident at an RC field, a major one, hurt or killed someone. Couldn't you set yourself up for a potential lawsuit from both the AMA and the person affected by the accident if they found out that you added a rider which you know had risks? Meaning you knew that RC airplanes have risks and you decided to remove insuance from your policy just to save yourself from having to pay more for it in the future? You can't tell me there aren't laws against that, especially civil ones.