I carry renters insurance. It's not expensive, and covers me when I
(gasp) rent an airplane. I also belong to a club, but when I'm away,
I'll rent from an FBO. The club insurance covers me as a named pilot on
their policy, but I don't have control of their policy, and one "oops"
can leave me uncovered.

Jose
--
The price of freedom is... well... freedom.
for Email, make the obvious change in the address.