Although, I am a firm believer in AMA membership, I really dont think the insurance is a big selling point I suspect, if you have home owners insurance, that comes off first, then the fields insurance or landowner, then AMA. I may be wrong, but will be surprised if I am. But if you dont have any homeowners policy, then maybe its a biggie for you. AMA is a good organization which represents our hobby well. The puplication itself is worth the price. Join up and support our hobby. It's well worth it.