I read my policy very carefully. Then I called my agent with a list of questions.....most of which she had no idea. After talking to the underwriter, she was still not clear on what is covered. I thought it was aviation insurance, and it might be, but mostly (I think) it is hangar insurance. I asked the municipality what they think is covered. No idea. I asked them why they require it.....they said because their insurer told them to require it. I still have no clear idea of what these policies cover. Concur, I would appreciate EAA/AOPA taking a look at this.