HL
Hull & physical damage
All-risk cover for your aircraft in motion and not in motion, with agreed value and deductible reviewed before quotation.
Aircraft insurance specialists โข United States & FAA aviation
Aircraft insurance built around your aircraft, pilots and real risk.
Specialist aviation insurance across the USA for private aircraft, flight schools, flying clubs and aviation businesses. We arrange hull, liability, CSL, passenger and pilot accident cover for FAA-registered aircraft โ priced on your individual risk, not a blanket rate.
Lender-ready
Breach of warranty and loss payee handled for financed aircraft.
Human advice
A specialist answers the phone, not a quote engine.
Claims support
Assistance when you need to file or manage a claim.
Specialist aviation cover
Aircraft insurance should not be a generic product.
Every Aircraft Insurance USA aircraft insurance quote depends on far more than the hull value. Underwriters review the make and model, how the aircraft is used, where it is based, the pilotsโ certificates and ratings, recent flight experience and claims history.
Our job is to turn those details into a clean submission that the major aviation markets can price properly โ and to arrange the strongest possible cover for your individual risk.
EH
Engine hull cover 1
Cover for sudden engine damage and stoppage โ often the single most expensive claim an aircraft can face.
LI
Liability & CSL
Third-party and Combined Single Limit cover, including smooth CSL with no per-seat passenger sublimit.
PL
Passenger liability
Cover for bodily injury to passengers carried aboard your aircraft, standalone or within a CSL policy.
BW
Breach of warranty
Lienholder protection that most US lenders require on financed aircraft โ the bank is paid even if a policy warranty is breached.
PA
Pilot & passenger accident
Personal accident cover for pilots and passengers, including loss of medical / loss of licence benefits.
GP
GAP cover
Pays the shortfall between a hull settlement and the loan or lease balance still owed after a total loss.
FI
Flight instructor (CFI) liability
Protection for instructors teaching in aircraft they do not own โ separate from the owner's or club's policy.
FC
Flying clubs & fleets
Group and fleet contracts for clubs, partnerships and co-ownership, with named or open-pilot warranty terms.
AH
Airfield & hangar liability
Premises and ground-risk liability for airports, FBOs, hangars and clubs.
AB
Aerobatic & air show
Specialist cover for aerobatic, competition and display flying, rated for the higher demands of the discipline.
NO
Non-owned & renter
Cover for pilots flying rented or borrowed aircraft, protecting against damage and liability exposure.
Aircraft we insure
Cover for every kind of aircraft.
From a Cessna 172 to a turbine helicopter or a light jet, each aircraft carries its own risk profile and is rated on its own terms.
Single-engine piston
Cessna, Piper, Cirrus and similar
Multi-engine piston
Twins and light multi aircraft
Turboprop
TBM, PC-12, King Air and similar
Jet insurance
Light, mid and business jets
Helicopter
Piston and turbine rotorcraft
Experimental / homebuilt
Amateur-built and kit aircraft
Light-sport (LSA)
Sport pilots and LSA owners
Warbird & vintage
Classic, antique and warbird aircraft
A fair rating system
We assess the real risk โ and price it fairly.
Many Aircraft Insurance USA owners never learn how an aviation premium is actually set. Underwriters weigh three things above all: the aircraft, the pilot, and how the two come together in real operations. A well-maintained aircraft, flown by an experienced and well-trained pilot, earns a better rate.
Recurrent training, type-specific training, additional ratings and a clean claims history can all unlock credits. We make sure those are reflected in your quote.
A
Your aircraft
Make, model, hull value, equipment and use all feed the assessment.
P
You as a pilot
Certificates, ratings, total time, time in type and recent experience count.
F
The operation
How and where you fly, and your training and claims history, shape the rate.
United States ยท FAA framework
Insurance and the FAA: what you actually need.
Unlike Europe, the FAA does not require private aircraft owners to carry insurance to fly legally in the United States. In practice, cover is required by aircraft lenders, by airport and hangar agreements, by flight schools and by rental contracts โ and it protects you from serious financial and legal exposure. Commercial operators under FAR Part 135 must meet minimum liability limits filed with the U.S. Department of Transportation.
US aircraft are registered with the FAA on the N-number register, and registration must be kept current โ the term is now seven years. The owner named on your policy should match the FAA record, since a mismatch can complicate a claim. Where an aircraft is financed, the lender is named as loss payee and will require breach of warranty coverage.
US aircraft are registered with the FAA on the N-number register, and registration must be kept current โ the term is now seven years. The owner named on your policy should match the FAA record, since a mismatch can complicate a claim. Where an aircraft is financed, the lender is named as loss payee and will require breach of warranty coverage.
91
FAR Part 91
Private and non-commercial operations. No federal insurance mandate, but lender and airport requirements almost always apply.
135
FAR Part 135
Commercial and charter operations must meet minimum liability limits filed with the U.S. DOT.
N
FAA N-number register
US civil aircraft are registered with the FAA; registration is renewed on a seven-year term.
One point of contact
Request specialist advice
Insured through the major markets โ handled by one specialist.
We work with the major aviation insurance markets, so you get the right cover without shopping it yourself. Aircraft Insurance USA gives you a single point of contact across submission, binding and claims.
FAQ
Aircraft insurance questions
Is aircraft insurance required by law in the USA?
The FAA does not require private aircraft owners to carry insurance to fly legally. In practice, cover is almost always required by aircraft lenders, by airport and hangar agreements, by flight schools and by rental contracts. Commercial operators under FAR Part 135 must meet minimum liability limits filed with the U.S. Department of Transportation.
What is breach of warranty (lienholder) coverage?
Breach of warranty coverage is an endorsement that protects your lender, named as loss payee, even if the policy is voided because a warranty was breached โ for example an unapproved pilot flying the aircraft. Most US aircraft lenders require it on financed aircraft, because the aircraft is their collateral.
What is the difference between hull and liability insurance?
Hull insurance covers physical damage to your own aircraft, in motion and not in motion. Liability insurance covers injury or property damage you cause to third parties and, where included, to passengers. Most US policies combine both.
What does Combined Single Limit (CSL) mean?
A Combined Single Limit policy provides one overall liability limit covering both passenger injury and third-party bodily injury or property damage, instead of a per-seat sublimit. A smooth CSL with no passenger sublimit is the broadest common structure in US general aviation.
How are aircraft insurance premiums calculated in the USA?
Underwriters review the aircraft make, model and hull value; the pilot's certificates and ratings; total time, time in type and time in the last 12 months; training and claims history; intended use; and where the aircraft is based. Experienced, well-trained pilots in lower-risk aircraft receive better rates.
Do I need to keep my FAA registration current for my insurance to respond?
Yes. US aircraft registration must be kept current with the FAA, and the owner details on your policy should match the FAA record. A mismatch, or a lapsed registration, can delay or complicate a claim. Since 2023 the FAA registration term is seven years.
Can flying clubs and multiple pilots be insured under one policy?
Yes. Flying clubs, partnerships and co-ownership groups can be insured under one policy with named-pilot or open-pilot warranty provisions, with cover extended to each qualifying pilot.
Do flight instructors need their own liability cover?
Certificated flight instructors carry liability exposure when teaching in aircraft they do not own. CFI liability insurance protects the instructor during instruction, separate from the owner's or club's policy.
Are there discounts for training or AOPA / EAA membership?
Often, yes. Many US carriers offer credits for recurrent training such as the FAA WINGS Pilot Proficiency Program, for type-specific training, and for membership of organizations like AOPA or EAA. Providing your membership number when you request a quote can unlock available discounts.
Does my policy cover flights to Mexico, Canada or the Bahamas?
Territorial cover can usually be extended for flights to Canada, Mexico, the Bahamas and the Caribbean, sometimes on specific terms. Confirm your planned territory when you request a quote so the policy is endorsed correctly.