1. All-Risk Ground & Flight Hull Coverage
Full Flight & Ground Hull covers physical damage to your aircraft at all times — whether taxiing, taking off, in flight, landing on paved or unimproved backcountry strips, or tied down/hangared on the ground. For aircraft in long-term restoration or annual overhaul, we can also write Ground-Only (Not-in-Motion) policies to save premium while the plane isn't flying.
Real-world example: If a sudden crosswind gust during rollout causes a runway excursion or ground loop that damages a wingtip, prop, and engine mount, All-Risk Flight & Ground Hull pays for the airframe repair and engine teardown inspection.
2. Agreed Value Settlement (No Depreciation at Total Loss)
Unlike auto policies that pay 'Actual Cash Value' (whatever an adjuster claims your vehicle depreciated to), virtually all of our aviation policies are written on an Agreed Value basis. You and the underwriter agree on the insured dollar value of your airplane up front — and if the aircraft is a total loss, the carrier pays 100% of that Agreed Value (less any deductible).
Real-world example: If your Cessna 180 is insured for an Agreed Value of $240,000 and is destroyed in a hangar fire, the carrier writes a check for the full $240,000 without haggling over Vref or market depreciation.
3. In-Motion vs. Not-in-Motion Hull Deductibles
Aviation hull policies separate deductibles into 'Not-in-Motion' (when the aircraft is parked, tied down, or inside a hangar) and 'In-Motion' (moving under its own power or momentum). Many piston aircraft policies feature $0 or very low ($250–$1,000) deductibles, while tailwheel, float, or turbine aircraft may use a small percentage or flat in-motion deductible.
Real-world example: If a windstorm damages your parked airplane on the ramp or a hangar door clips your tailfeathers while parked, a $0 Not-in-Motion deductible means you pay nothing out of pocket.
4. Avionics Upgrades, Engine Overhauls & Mid-Term Hull Increases
Putting $45,000 into a Garmin glass panel or $60,000 into a factory-remanufactured engine immediately increases your aircraft's replacement value. If you leave your hull value at its old number, you risk being underinsured — or worse, triggering a total-loss constructive payout after a repairable incident. We endorse mid-term hull value increases as soon as your shop work finishes.
Real-world example: Right after your avionics shop installs dual G3X displays and a new autopilot, a quick call to our team bumps your Agreed Hull Value from $165,000 to $210,000.
5. Spare Parts, Detached Engines, Skis/Floats & Avionics Coverage
Aviation hull policies include automatic coverage (and can be increased) for spare aircraft parts, propellers, engines, amphibious/straight floats, wheel skis, and bush tires you own that are temporarily detached from the aircraft and stored in your hangar or maintenance shop.
Real-world example: When your seasonal amphibious floats are sitting on racks in your hangar over the winter while the plane is on wheels, Spare Parts coverage protects the floats against fire, theft, or hangar damage.
6. Search & Rescue, Runway Foaming & Aircraft Recovery Expenses
After an off-airport precautionary landing or gear-up incident, the cost of disassembling and airlifting or trucking an airframe out of a remote airstrip — or paying municipal emergency runway clearing charges — adds up fast. Aviation hull policies include dedicated extensions for recovery, salvage protection, and search-and-rescue expenses.
Real-world example: If a Nose-Gear actuator fails and your retractable single lands gear-up on a regional runway, the policy covers both the airframe/prop/engine teardown and airport crane removal fees.
