Single-Engine Aircraft Insurance

Single-engine Aircraft are the backbone of general aviation—trusted for personal travel, training, and backcountry exploration. Insuring a piston single depends on how and where you fly, your recent experience, aircraft equipment and value, and whether the aircraft is privately owned, club-operated, or used for instruction. Use this guide to understand how underwriters look at single-engine risks and what coverages are typically selected.

Who This Page Is For

Private owners, flying clubs, and flight schools operating single-engine pistons—fixed gear or complex, steam-gauge or glass, from trainers to high-performance cross-country platforms.

Typical Uses We See

Personal/pleasure, limited business travel, primary and advanced training, currency/proficiency flying, backcountry/STOL operations (where appropriate), and avionics upgrade/test flights.

Key Factors That Influence Your Quote

• Pilot Experience: total time, recent time, and make/model time; instrument rating and recurrent training.
• Aircraft Profile: year, hull value, fixed vs. retractable gear, horsepower, prop type, and safety equipment (e.g., shoulder restraints, airbags).
• Avionics: IFR capability, autopilot, ADS-B, and engine monitoring—often viewed favorably for risk mitigation.
• Operations & Storage: hangared vs. tiedown, operating environment (mountainous, coastal, backcountry), and typical mission length.
• Loss History: prior claims or incidents for pilots and aircraft.

Common Coverages for Single-Engine Aircraft

• Liability: bodily injury and property damage, including passenger liability aligned to seating.
• Hull: ground-only, ground & taxi, or full flight; deductibles tailored to aircraft value.
• Medical Payments & S&R: medical expenses and search & rescue where available.
• Non-Owned (Renter’s): for pilots who occasionally fly club or rental Aircraft.
• Instruction Endorsements: for CFIs and schools (dual given/received, solo endorsements, checkout requirements).
• Equipment & Spares: avionics, headsets, survival gear; optional spares/tools coverage.

Pilot Qualifications & Training

Quotes typically improve with currency and structured training. Recent time in type (or a formal transition syllabus), instrument proficiency, and periodic checkouts all help. For complex/high-performance singles, insurers may require a checkout or minimum hours before acting as PIC.

Cost Drivers & Ways to Save

• Complete a recognized recurrent training program annually.
• Document recent hours and any transition/checkout training in the specific make/model.
• Hangar the aircraft when possible and log maintenance/avionics upgrades.
• Match liability limits to typical passenger load and mission profile.

Popular Single-Engine Models

Coverage is available for a wide range of singles—from training staples to cross-country platforms and backcountry Aircraft. Explore details for your exact make and model in our brand/model library.

Browse by Brand / Model

Non-Owned (Renter’s) Insurance

If you fly club or rental Aircraft, a non-owned policy can protect you against liability and provide optional physical damage protection. It’s a simple way to avoid gaps between FBO/club policies and your personal exposure.

Backcountry & Special Operations

Planning off-airport landings, mountain flying, or short/soft-field ops? Tell us about your training, aircraft configuration (tundra tires, STOL kits), and typical strips. We’ll align coverage terms and navigation limits with your real-world flying.

Documents & Details to Have Ready

• Pilot certificates/ratings, medical, and a summary of recent and make/model time.
• Aircraft details: N-number, year, engine/prop, major mods, and avionics list.
• Storage location and hangar/tiedown details.
• Training plan (initial/transition/recurrent) and any prior losses.

Looking for other aircraft categories or researching your manufacturer?

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Ready to Get a Quote?

Share your aircraft and pilot details, and we’ll match your single-engine operations with appropriate coverage and limits.

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