Hey BigAl07, yes MAAC insurance is available here for about $75/ year, but it's only valid when flying with a club at an approved field. So unless you're a club member and fly there regularly (they usually require insurance to fly with them) it's pretty pointless. Just find a quiet place away from pedestrians, traffic, and windows hahaha. It's bad news when a model goes down and takes something or even worse, someone with it.
What's the cost for Phoenix? Clearview is $40 and I have no real complaints with it, graphics are decent and model dynamics are good. New models are free as they're developed. I chose it after trialing the popular ones (including Phoenix).
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