Hi Denny, great question. It does not benefit the club directly if a member buys his own “aircraft renters insurance”. What it does do is benefit the member that purchases the insurance. In the event of an accident, your renters insurance will cover your liability and hull damage, up to your policy limits, after Sky Soarings insurance. The club could come after you to pay for damage to the aircraft which your insurance would cover. There are a number of companies that offer aircraft renters insurance, fairly inexpensive. AOPA and Avemco are a few.