Aircraft Insurance for Owners
Is this the right aircraft insurance page for you?
Start here if you own an aircraft or are preparing to buy one. Pilots who rent, borrow, or provide instruction should use the related pages below.
4.9/5 Stars
Google Reviews from real customers, just like you
97% Retention
Customers stay with us year over year over year
Independent
We work for you, not insurance companies
Local
Fort Collins owned & operated since 1992
Start with the aircraft, pilots, and operation
Aircraft insurance is not one universal package. A useful review begins with what is being insured, who will fly it, how it will be used, and which policy terms apply.
Physical damage questions
Ask how the policy values the aircraft and which causes of loss, deductibles, conditions, and exclusions apply. Some policy structures distinguish damage while the aircraft is in motion from damage while it is parked or stored. Verify the definitions in the actual policy instead of assuming the terms work the same everywhere.
Liability and passenger questions
Ask how liability is structured, who qualifies as an insured, how passenger-related provisions apply, and whether medical-payments coverage may be available. The declarations, endorsements, exclusions, and policy definitions control the answer. A label alone does not explain the full protection.
Endorsements and specialized operations
Equipment, storage, ferry flights, training, business use, and other activities may create additional questions. Experimental, homebuilt, vintage, warbird, rotorcraft, seaplane, glider, and light sport aircraft can also require a more specific review. Market availability and underwriting vary, so these categories should be discussed rather than treated as guaranteed products.
Prepare the facts before the call
Build the review around the real operation
Ownership, pilot qualifications, training, storage, equipment, and use should be reviewed together rather than as isolated details.
Aircraft and ownership
- Make, model, year, and current value information
- Purchase status and requested effective date
- Individual, partnership, trust, or business ownership
- Storage arrangement, airport, and tie-down or hangar details
- Installed equipment, modifications, and recent upgrades
Pilots and training
- Pilot certificates, ratings, and medical status where relevant
- Total flight time, recent time, and time in the make and model
- Training completed or planned
- Other pilots who may operate the aircraft
- Prior losses or incidents requested during the review
Use and operation
- Personal, business, instructional, rental, club, or other intended use
- Typical trip profile and operating territory
- Any lease, loan, management, or additional-insured requirements
- Maintenance status and planned changes to the aircraft or operation
The 3-Question Coverage Framework
Ask yourself these three questions for every coverage option:
1. What exactly is being insured?
Confirm the aircraft, equipment, value basis if applicable, ownership, and storage. Ask how the policy defines covered property and which valuation method applies after a covered loss.
2. Who will fly, ride in, or interact with the aircraft?
List every expected pilot and review any pilot requirements. Ask how liability, passenger provisions, medical payments, and additional-insured requests are handled. Do not assume a pilot is acceptable until the policy or insurer confirms it.
3. How will the aircraft actually be used?
Personal travel, business transportation, instruction, rental, club use, aerial work, and other operations can be treated differently. Describe the real operation and verify that the policy language matches it.
Questions aircraft owners often ask
Is aircraft physical damage coverage the same while flying and while parked?
Not always. Some policies distinguish in-motion and not-in-motion situations, while others use different definitions or structures. Review the exact definitions, covered causes of loss, deductibles, and exclusions in the proposed policy.
Does an aircraft policy automatically cover every pilot?
Do not assume it does. Policies can name pilots, use pilot requirements, or apply other conditions. Provide complete pilot information and verify who may operate the aircraft before flight.
What information should I prepare before buying an aircraft?
Prepare the make, model, year, estimated value, ownership, intended use, storage, requested effective date, pilot qualifications, flight experience, training, and prior-loss information. A lender or seller may also have timing or insurance requirements to review.
Can specialty aircraft be reviewed?
Specialty categories can be discussed, but availability and underwriting vary. Share the aircraft's construction, certification, equipment, operating profile, pilot experience, and any special requirements so the current options can be evaluated accurately.
Does this page confirm that coverage is available?
No. This page explains questions to prepare. Availability, eligibility, limits, exclusions, pricing, and terms must be confirmed for the aircraft, pilots, operation, state, and current market.
Related aircraft coverage
Review policy structure, not just premium
Two proposals with a similar price can answer the important questions differently. Compare the definitions, valuation, covered pilots, use, territory, deductibles, liability structure, passenger provisions, exclusions, endorsements, and reporting duties.
Cost Comparisons
- How the aircraft value is stated and adjusted
- How in-motion and not-in-motion damage are defined, if those terms are used
- Which pilots and uses are permitted
- How liability and passenger provisions are structured
- Which deductibles, exclusions, endorsements, and reporting duties apply
The Real World
There is no responsible way to name a universal limit, deductible, premium, or policy structure without reviewing the aircraft, pilots, use, state, and current market response. Treat broad online examples as discussion starters, not as terms you can rely on.
Start with the aircraft and the questions
Call Fort Collins Insurance at (970) 204-4553 to describe the aircraft, pilots, ownership, and intended use.
Coverage availability, eligibility, limits, exclusions, and terms vary by carrier, policy, pilot experience, aircraft, use, and state. This page provides general information and does not change or bind coverage.