| For pilots that are financing an aircraft or those that | | | | that covers them as soon as flight instruction lessons |
| already own one, aviation insurance is necessary. The | | | | begin. Once a non-owner decides to buy an aircraft, |
| FBO insurance policy is not meant to cover owners | | | | the non-owner policy credit can be transferred to the |
| or non-owners, it is to protect the FBO. Just as one | | | | aircraft they own. |
| would never drive without automobile insurance | | | | Just as insurance rates for cars are based on certain |
| coverage, the same goes for when it is time to fly. | | | | factors, so it goes for aircraft insurance. The cost of |
| AOPA insurance is quality insurance with underwriters | | | | the aircrafts, pilot experience, geographical area, and |
| that have been A rated. | | | | rates charged by other insurance companies also |
| The best thing about AOPA insurance is that owners, | | | | factor into premium costs. For those financing an |
| renters, and those borrowing an aircraft can each | | | | aircraft, the bank will have them cover ground |
| purchase their own policy. This insures that no matter | | | | insurance, but also in-flight hull insurance. Once paid |
| whom it is operating the aircraft they carry policy | | | | for, it may be up to the owner, whether in-flight hull |
| coverage. | | | | coverage will be continued. |
| Having full AOPA insurance coverage means not | | | | Determining how much coverage is needed should be |
| becoming financially devastated should physical | | | | done based on what the aircraft would be replaced |
| damage to the aircraft or any people that are | | | | with should damage occur. If owners make any |
| harmed are covered. This means even if there is a | | | | changes to the aircraft, updating the policy is |
| total loss. Those that are non-owners, especially | | | | recommended to make sure its increased value is |
| those just learning how to fly can consider a policy | | | | covered. |