Thanks Jon, that is what I had done, too, unfortunately my work has purged the reply I received. I'm interested to hear what you receive. My opinion is it has less to do with where you are, and more to do with whether you have used reasonable caution in your decision. I know that leaves quite a gray area, but on the other hand, if someone has a huge area of private land, and just does not want it to become an AMA site, it wouldn't make sense to not include them, they probably help keep the cost of insurance down, relative to individuals in heavily used club sites near homes, etc.