Unless you're flying for a fee your home owners insurance should cover your liability. I've read the policy (most are identicle) Property, on the other hand, would have to be scheduled.
How far from house? I wouldn't unless it was significant. But then again, I'm not in the calibrate before every flight group.
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It would make it much easier to help if people proof read for typos before sending reply....what about people that have English as a second or third language?
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