Don't fly in USA without Renters' Insurance.
This covers the 'deductibles' (i.e. excess) which the FBO policy won't cover.
I took out renters insurance in 2006 for flying in USA for the very first time.
IIRC it was $120:from a US company.
I had good reason to thank my lucky stars as I had an incident and the ins co. coughed up the $5,000 deductible without a peep.
Also on the topic of personal insurance if flying abroad/USA remember the worst case (well nearly) scenario of the cost if you needed to be medevac ed home halfway around the world.
Money spent on insurance is money well spent IMHO.Traffords are pretty good.
(well I say they're pretty good and I've used them for years, but never had to make a claim)
Cusco