Runway closing permanently at Allegheny County (KAGC)

In article , Richard
Russell wrote:

Regardless, in an emergency, you can still use it as a runway.

That's what I always thought (and still do, as safety is more
important than money) but can anyone comment on this? I was told at a
NACO safety seminar that if you land on a closed runway insurance
companies will not pay, even if was an emergency. This official
(remember NACO, not FAA) said that you should land adjacent to the
runway but not on it, if you think you can survive the landing. Has
anyone ever heard of such a thing? I think I'd be inclined to land on
the closed runway, provided it wasn't butchered like Meigs.

I have read somewhere, that there is less damage to the aircraft
landing on the hard surface than on the turf during a gear up
emergency.