IMO, it is a great idea. Not only can you fly at sanctioned fields, but you are also covered if you hit anything flying with friends or something. Or so I understand anyway. I think you are covered in the full membership over the park flyers as well. And you know people lose a plane or heli every now and then, and there is that chance it could hit someone. If it does, it will help pay if they sue. I have mine, and only flew in my yard when I didn't have it.