Homebuilt Aircraft


Features & Benefits



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Aircraft insurance built for aircraft builders!

Since the standard homeowner's policy excludes physical damage and liability losses to an aircraft, you need a specialized type of aircraft insurance. With Avemco's homebuilt coverage, you can protect your homebuilt and experimental (amateur-built) piston-powered aircraft while under construction – and when in flight. We even offer hull coverage on many homebuilt models.

Homebuilt Aircraft

Key Construction/Reconstruction policy benefits*

Up to $15/hour for your labor to build your project.


Coverage for your project while underway in your home workshop, garage or hangar.

You can assemble your insurance coverage as you assemble your aircraft, based upon where you are in the construction process.


$25,000 liability coverage is provided for damage to rented or leased hangars.



Standard Construction/Reconstruction policy benefits*

Policy has no "blanket" FAR exclusions.


Disappearing deductible for loss due to fire, lightning, explosion, or a total loss (in most cases).


We base total loss payment on the insured value, not a "Blue Book" or actual cash value.


No restrictions on payment for hail damage.

Coverage for liability arising out of the use of the area you rent to park, tie-down or store your aircraft.


No hidden hurricane damage deductibles.


Avemco offers convenient payment plans and accepts major credit cards.


Legal Defense after limits of policy tendered.


Key In Flight policy benefits*

Up to $15/hour for your labor to repair damage done to your project.


Up to 10% annual premium credit through Avemco's Safety Rewards Program.


We give credits for "claim-free" experience.

Policy has no "blanket" FAR exclusions.


Coverage on grass strips for most aircraft.


If you've purchased in-flight hull coverage, we pay to retrieve your aircraft after an off-airport landing, even if your aircraft isn't damaged.



Standard In Flight policy benefits*

No coverage exclusion just because an annual, medical, or flight review accidentally expires midterm.


We insure pilots regardless of age who meet general underwriting requirements.


Avemco's policy includes "extended sales coverage," which provides Bodily Injury and Property Damage Liability for covered claims after you have sold the aircraft for up to one year after the date of sale, or the period that the aircraft was insured by Avemco, whichever is less. Very few, if any, other policies provide this protection.


No N# blocking.


We base total loss payment on the insured value, not a "Blue Book" or actual cash value.


A hull premium credit applies if your aircraft is kept in a hangar.


No family sub-limits.


Disappearing deductible for loss due to fire, lightning, explosion, or a total loss (in most cases).


Medical expense coverage includes payment of $100 each day in hospital, up to policy limits, in addition to medical bills and includes policyholder.


Built-in Non-Owned liability benefits include coverage for damage to non-owned aircraft to the extent of the hull coverage you purchase for your aircraft.


No separate deductible for gear up landings.

No restrictions on payment for Hail Damage.


When you add or replace aircraft, up to 30 days coverage is automatically provided, as long as the replacement aircraft meets the definition of "insured aircraft" in the policy.


$25,000 liability coverage is provided for damage to rented or leased hangars.


We pay up to $1,000 for damage to passengers' personal effects.


Coverage for liability arising out of the use of the area you rent to park, tie-down or store your aircraft.


You can include your spouse as an approved named pilot at no additional charge on most aircraft.


Fleet discounts available if we insure more than one aircraft on the same policy.


Allow mid-term changes that can save premium.


No hidden hurricane damage deductibles.


Pays for runway foam in event of gear up landing.


Avemco offers convenient payment plans and accepts major credit cards.


Legal Defense after limits of policy tendered.


We do not subrogate against named insured pilots.


*These are only general descriptions of coverage offered in the Direct Approach Aircraft Insurance Policy POL01 (11-00). Exclusions and limitations apply. Aircraft under construction are not covered while in motion. Contact us for additional information and details.


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888-241-7891