Hideho again,

You won't find a company to insure us as a group.
Sure, your homeowners covers your liability if you damage someone elses person or property, they all do that.

Insurance companys deal in the law of large numbers, that is to be able to insure us as a group, they must have a majority of the hobbiest's participate in the plan. Unlikely I'm thinking.

Better to carry an umbrella policy for, say a million dollars. It's only about 50.00 a year depending on your exposure to loss.

Shoot, it's late..I'm going to bed,
Later,