Homebuilt FAQs

Have a question about Avemco's Homebuilt aircraft insurance? Browse through our list of frequently asked questions below. If you still can't find the answer you're looking for, contact us at (888) 241 7891 (M-F 9:00 am to 6:00 pm Eastern). One of our aviation underwriters will be happy to assist you.

  1. How does your company define a "non-commercial" flying club?
  2. Are multi-engine aircraft eligible for flying clubs?
  3. What is the highest limit of liability coverage Avemco provides for a flying club?
  4. Will the number of flying club members change the premium?
  5. Will the policy cover a flying club member who sued another flying club member for injuries resulting from a covered incident in a club aircraft?
  1. Q: How does your company define a "non-commercial" flying club?

    A: A non-commercial flying club is defined as being one or more aircraft owned equally by more than five individuals, operating under by-laws, and being used for personal (non-commercial) and not-for-profit use (see policy for definition of "commercial use"). Avemco is a primary insurer of non-commercial flying clubs in the United States.

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  3. Q: Are multi-engine aircraft eligible for flying clubs?

    A: No. Avemco prefers that clubs operate simple, fixed gear aircraft although coverage for some complex and high performance single engine land aircraft is available.

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  5. Q: What is the highest limit of liability coverage Avemco provides for a flying club?

    A: The highest liability limit Avemco will provide for flying clubs $100,000 Per Person Bodily Injury, $1,000,000 Property Damage and $1,000,000 per occurrence. If a flying club member would like higher limits of liability coverage, the member may individually purchase a non-owned aircraft policy. The non-owned aircraft policy would be excess coverage over and above the coverage provided by the flying club policy limits.

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  7. Q: Will the number of flying club members change the premium?

    A: Yes, Avemco looks at the number of active (meaning the member has flown a club aircraft in the past six months) flying club members which are broken into groups to determine the premium.

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  9. Q: Will the policy cover a flying club member who sued another flying club member for injuries resulting from a covered incident in a club aircraft?

    A: Yes, Avemco's policy allows for cross liability protection between flying club members subject to the terms and limitations of the policy.

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These FAQ's and answers are general in nature and are not intended to address the specific requirements of an individual's policy. These should be discussed directly with one of Avemco's trained staff. In all cases, the terms, conditions of the policy and policy endorsements will determine the outcome of a specific situation. Minimum annual premiums are subject to change.