In reply to (on your six) statement that he would like to hear from anyone who had ama paid a claim I can said that I have had ama pay for 2 incidences with no problem (1) was when my truck was broken into and my trans. was stolen and (2) I was at our flying field and a friend of mine had a large airplane with a gas engine crash thur the hood and windshield of my wifes mini van on my brithday and after his home owners insurance paid the first $500 and ama paid the rest. So I may not like the amount that I have to pay it is still cheaper an renters insurance.