If there is no Homeowners or Renters Insurance, then of course AMA insurance takes the brunt of the attack. I believe there may also be some coverage on club equipment...maybe even on the club's flying field. No doubt would have to be an AMA Chartered club (everybody has to be an AMA member).
Steve
AMA Chartered Clubs can get some AMA help on repairing a facility and/or after a storm or burglary does its thing. Individual member AMA Liability Insurance is there for when you create an injury to a person or property. Your other liability insurance policies have to pay their way before AMA kicks in. That is why AMA insurance is so cheap. It just may be the only liability insurance you have.
Facts: Your AMA insurance does NOT require you to be flying on an AMA Charter Club property, nor does it require you to be any Club Member. IMO, the big part of AMA Liability Insurance is knowing if you ARE
flying with AMA members and one creates an incident that harms you, then that person does have some insurance to assist your recovery. If you fly with non-AMA fliers, then that person may not have any form of insurance to apply to your hurt. If a non-AMA homeowner, or renter, is flying near you, you DO NOT KNOW WHETHER his/her INSURANCE IS IN EFFECT THAT DAY OR NOT! Your gamble.

Personally, I do not care to fly around any place where non-AMA members fly, and so I don't.
AMA L-93