How to Insure an Aircraft
A complete step-by-step guide to getting aviation insurance coverage
Determine Your Coverage Needs
Assess what type of coverage you need based on your aircraft type, usage, and regulatory requirements. Consider hull damage, liability limits, and additional coverages.
Gather Aircraft Information
Collect details about your aircraft including make, model, year, serial number, avionics, engine time, and current value. Have your pilot certificates and flight experience ready.
Request Multiple Quotes
Contact aviation insurance brokers to get competitive quotes. Compare coverage options, limits, deductibles, and premiums from multiple insurers.
Review Policy Details
Carefully review policy terms, exclusions, pilot warranties, and coverage limits. Understand what is and isn't covered before making a decision.
Complete Application
Fill out the insurance application accurately and completely. Provide all requested documentation including aircraft logs, pilot certificates, and medical certificates.
Bind Coverage
Once approved, bind your coverage by paying the premium. You'll receive proof of insurance and policy documents, often required before first flight.
What You'll Need to Apply
Types of Coverage to Consider
Hull Insurance
Covers physical damage to your aircraft from all risks including accidents, weather, theft, and vandalism.
Liability Insurance
Protects you from legal liability for bodily injury to passengers and third parties, and property damage.
Medical Payments
No-fault coverage for medical expenses for you and your passengers regardless of who caused the accident.
Personal Effects
Coverage for personal belongings and equipment stored in your aircraft.