RE: AMA charges too much
If you think that the AMA insurance is worth anything, you are wrong.
Put the money on a good homeowners policy or a mgood renters insurance policy with a ridetr for R/C.
tHERE ARE MORE WAY'S FOR THE ama to get OUT OF PAYING ANY THING THAT YOU CAN THINK OF.
The insurance is not worth the paper that it is writen on.