I believe that the AMA insurance is secondary insurance,and that your home owners insurance is your primary insurance,If you have an accident,then the AMA will pick up the balance of the claim.
The AMA has the best deal going for It self,Probably 99% of the flying sites require AMA insurance,and they have no competition.I love reading about the flying sites that they help to get.Out in the Midwest,where you can fly almost any place.I think of the AMA as just another insurance company like Allstate,State Farm,etc.Looking to make money for Itself.[:@]