PERSONAL AIRCRAFT INSURANCE
AOPA’s Strategic Aviation Insurance Partner

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Aircraft Renters Insurance

Affordable flying can have some un-affordable risks.

When renting aircraft, the coverage provided by rental facilities may fall short, leaving you personally liable for repair costs and legal fees in the event of damage. AssuredPartners Aerospace offers simple, affordable renter policies designed to mitigate these risks, providing the insurance protection you need for worry-free flying.

Our renters policies start at just $81/year for basic liability coverage. For only, $175/year, you secure comprehensive coverage, including bodily injury to passengers, property damage resulting from incidents, and for physical damage to rented aircraft. Purchasing these coverages online or by phone takes just a few minutes, ensuring you're covered whenever you’re ready to take flight.

Why Aircraft Renter Insurance is Crucial

Protects You and Your Family: Renters insurance shields you and your loved ones from financial liabilities arising from aircraft-related incidents.

Provides Liability Coverage: Renters insurance offers liability coverage for bodily injury and property damage when you rent or borrow airplanes.

Includes Legal Defense: In the unfortunate event of legal disputes, aircraft renter insurance provides coverage for legal defense expenses, safeguarding your interests.

Don’t let unexpected liabilities ground your flying adventures. If you are ready to find a policy that’s right for you, start your online quote today! If you still need more information, call 800-622-2672 to speak with an aviation insurance specialist.

Frequently Asked Questions

Legal liability coverage covers you against claims for bodily injury and property damage that occurs while you’re operating a rented aircraft. All renter policies require legal liability coverage. It does not cover damage to the rented aircraft; that’s available under the physical damage for non-owned aircraft coverage.

Most insurers recommend you protect yourself with the highest amount of legal liability coverage you can afford. The amount of physical damage coverage you need depends on the estimated value of the aircraft you typically fly and what the rental agreement says you’re responsible for. Repair costs can be very high, so you really do need your own coverage.

In the event of an accident, you can protect yourself from skyrocketing legal fees through the legal defense benefit under the renter policy. That means if you have a claim against you, the policy will provide you with legal defense as added protection. This is an important benefit since attorney fees are often $400 or more per hour. Legal fees can add up quickly, and the average legal defense cost is over $25,000!

For $50 you can add your employer. Note however that coverage does not apply to losses or occurrences that arise from your employer’s activities involving the manufacture, sale, repair, or service of the aircraft or its parts, or the operations of the airport, hangar facility, flying service, or pilot activity.

A deductible is the amount you’ll pay to the rental facility or owner of the aircraft you’re rent, out of your own pocket, in the event of an accident. AssuredPartners Aerospace’s renter aircraft insurance policies will pay up to $5,000 of the aircraft owner’s or rental facility’s ’s deductible, even if you’re not at fault. However, this endorsement only applies if you have physical damage coverage on the policy.

As an AOPA member, you can enjoy a 5% discount on your policy. AssuredPartners Aerospace also provides a 10% discount at policy renewal for a claims-free flying record.

Also, AssuredPartners Aerospace’s Accident Forgiveness and Deductible Waiver Program is another easy way to improve pilot safety while helping lower your out-of-pocket expenses in the event of an accident. And, completing an eligible AOPA Air Safety Institute program every six months rewards you with a zero increase in your renewal rates due to a covered claim during your policy period.

Let's explore the skies and your insurance needs together.

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