Firstly, in my opinion the AMA is an excellent organization, and has been around helping model aircraft pilots for many years. The AMA membership does provide good liability insurance, as well as many other benefits. You do not have to be flying at an AMA sanctioned field, however you must be following the AMA Safety Code. Like any other insurance policy, make sure that you aware of the policy guidelines and coverage limits. To add, the AMA liability policy is a "secondary" policy. It only picks up after any other primary policy has been exhausted, such as homeowners insurance. All that being said, at $70 a year it is a hard membership to pass up. Find an AMA field near you and check it out, talk to folks that are there flying. For those that got into flight just because of drones, you may find a whole new world of fun in lots of other types of aircraft.
