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Homebuilt Aircraft Insurance

Frequently Asked Questions

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. I build aircraft for a living. Does the Construction/Reconstruction policy cover me?
  2. I intend to restore a damaged airplane and plan to start work within the next 90 days. Does this policy cover me?
  3. I have special tools in order to complete this project. Would they be covered under your policy?
  4. I have just completed the airplane and plan to begin taxi testing… does your policy cover this?
  5. I am buying a kit. Can I increase coverage amounts as I add new components such as an engine, or avionics to the airplane?
  6. Does this policy cover my labor costs and if so, how much?
  7. Can I just purchase hull insurance, or must I take liability coverage as well?
  8. Does this policy cover my kit while it is being transported to my home?
  9. Can I get coverage for aircraft damage on my homebuilt if I equip it with an automobile engine?
  10. Do I have liability protection after I sell my aircraft? Why would I need it?
  11. Who is permitted to fly my aircraft?
  12. Does your policy have any exclusion against landing on a private grass strip?
  13. Do I need to add my CFI to my policy in order to receive dual flight instruction?
  1. Q: I build aircraft for a living. Does the Construction/Reconstruction policy cover me?
    A: No. The Construction/Reconstruction Endorsement does not cover an insured person's construction or reconstruction of the insured aircraft as a business or for sale to others. See policy definition 6 ("Commercial Purpose") as amended by the Construction/Reconstruction Endorsement.


  2. Q: I intend to restore a damaged airplane and plan to start work within the next 90 days. Does this policy cover me?
    A: In most cases coverage will apply once the aircraft has been delivered to you. There are some exceptions and you should call Avemco at (888) 241 7891 to ensure your situation is covered.


  3. Q: I have special tools in order to complete this project. Would they be covered under your policy?
    A: Yes, as long as you have a receipt or other proof of purchase for them. See policy definition 11 ("Insured Aircraft") as amended by the Construction/Reconstruction Endorsement.


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  5. Q: I have just completed the airplane and plan to begin taxi testing… does your policy cover this?
    A: No. The Construction/Reconstruction Endorsement excludes coverage when your insured aircraft is in motion. When you are ready to begin taxi tests you should call us to discuss policy and coverage options.


  6. Q: I am buying a kit. Can I increase coverage amounts as I add new components such as an engine, or avionics to the airplane?
    A: Yes. You can and should so that you will have the correct amount of coverage to pay for a loss.


  7. Q: Does this policy cover my labor costs and if so, how much?
    A: Yes. Avemco's Construction/Reconstruction Endorsement includes up to $15 per hour for your documented labor.


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  9. Q: Can I just purchase hull insurance, or must I take liability coverage as well?
    A: In most states, with the Construction/Reconstruction Endorsement you have the option of purchasing only hull coverage. We encourage you, however, to purchase at least minimal liability coverage should someone be injured or have their property damaged as a result of your project since this provides you with legal defense coverage. If your homebuilt is located in a state that requires minimum liability limits check with us to determine requirements in your state.


  10. Q: Does this policy cover my kit while it is being transported to my home?
    A: If you have physical possession of the kit and are transporting it yourself, yes, the kit is covered during transportation. Also if you do the majority of construction in one location (your home) and are transporting the aircraft and/or components (assembled wings, fuselage as an example) to the airport for final assembly that transportation is covered. If you have not taken physical possession of the kit you do not have coverage for loss that occurs prior to the delivery of your insured aircraft to you. Protection for that kind of loss should be provided by the common carrier who is delivering your kit.


  11. Q: Can I get coverage for aircraft damage on my homebuilt if I equip it with an automobile engine?
    A: Yes. Avemco offers coverage for several of the popular FWF (Fire Wall Forward) converted automobile engine packages. Aircraft equipped with other automobile engines may be eligible for coverage once the engine has accumulated 100 flight hours in the aircraft.


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  13. Q: Do I have liability protection after I sell my aircraft? Why would I need it?
    A: 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. This is a unique and valuable coverage.


  14. Q: Who is permitted to fly my aircraft?
    A: Any pilot that you have named on your policy, mechanics employed by an FAA Approved Repair Station in connection with inspection or repairs of the insured aircraft and any CFI while accompanied by a named pilot.


  15. Q: Does your policy have any exclusion against landing on a private grass strip?
    A: No, Avemco's policy does not have any exclusion against landing on a private grass strip or any other surface, regardless whether or not an emergency has occurred.


  16. Q: Do I need to add my CFI to my policy in order to receive dual flight instruction?
    A: No. Avemco's policy provides approved pilot status to any CFI, current in aircraft make and model, while giving dual flight instruction to a pilot specifically named on the policy.


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These FAQs 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.