Assuming your homeowners or umbrella policy covers your aircraft or hangar is a risky mistake. Our insurance expert explains why specialized aviation insurance is essential, how coverage limits work, and why mixing standard policies with aviation risks can leave you unprotected.
A Pilot’s Guide to Aviation Insurance Policies
An aviation insurance policy is a strictly binding legal flight plan of mutual obligations. Discover how understanding your liability limits, hidden protections, and pilot warranties will prevent you from accidentally flying without the coverage you actually need.
Telling The Story of Risk
An application for aviation insurance is far more than a request for a quote. It is the story of the potential risk. It includes facts such as pilot experience, ratings, recurrent training, aircraft type, intended use, claims history, operating territory, and dozens of other details that help an underwriter determine whether the account fits within their particular appetite for risk.
Don’t Do Anything Stupid
We pay for aircraft insurance to finance the fallout of something bad happening — and very often that comes from our own lack of common sense.