Multi-Engine Aircraft Insurance

Multi-engine aircraft offer redundancy, performance, and mission flexibility—but they also introduce higher hull values, more complex systems, and elevated pilot requirements. Underwriters pay close attention to twin-specific risks such as asymmetric thrust, single-engine performance, and pilot recency when setting rates and conditions. With Aero Insurance, you can see all quotes from all underwriters with one application, ensuring no missed savings and no coverage holes.

Whether you fly a piston twin for family travel or a turboprop for business missions, our specialists—trusted by pilots for 20+ years—align coverage with how you actually fly. Expect renewals in minutes, not hours, proactive support, and simpler quoting with far less back-and-forth.

Get a Multi-Engine Quote

Who This Page Is For

Owners and operators of piston twins and light turboprops used for personal, business, training, or limited commercial missions. Many pilots stepping up from high-performance singles also rely on our guidance to present training plans cleanly to underwriters—so you save time and fly sooner.

Typical Uses We See

Business travel, family transport, ME/IFR training, cargo and special missions under Part 91, and selective commercial operations where eligible. We frequently support structured transition programs for pilots moving from singles into twins so every carrier can evaluate your training consistently.

Compare All Carriers for Your Twin

Key Factors That Influence Your Quote

• Pilot experience: multi-engine total time, recent time (last 12 months), make/model time, instrument currency, simulator or mentor-led training.
• Aircraft profile: piston vs. turboprop, pressurization, de-ice/FIKI, retractable gear, prop type, and key safety systems.
• Performance & operations: single-engine performance, runway lengths, IFR/Night usage, terrain and IMC exposure.
• Maintenance program: adherence to manufacturer guidelines, tracking software, inspection history, engine/prop times.
• Hull value & avionics: glass panels, radar, AOA, autopilot, and other upgrades that may reduce risk and improve pricing.
• Loss history: prior incidents and evidence of remedial or recurrent training.

Common Coverages for Multi-Engine Aircraft

• Liability: passenger and third-party protection aligned with your seating and mission profile.
• Hull coverage: ground-only, ground & taxi, or full flight, with optional agreed value.
• Medical payments & search & rescue: common enhancements offered by many carriers.
• Non-owned (renter’s) coverage: helpful for pilots training in or renting twins.
• Instruction & checkout endorsements: for dual instruction, mentor requirements, and PIC minimums.
• Lender/lessor endorsements: breach-of-warranty, additional insured, and certificates on demand to keep lenders and FBOs happy.

Align Coverage With Your Mission

Pilot Qualifications & Training

Recent multi-engine training can significantly improve your quote. Underwriters look for clear proficiency in V_MC avoidance, SE procedures, and structured recurrent or transition training. Some pilots may need supervised PIC hours or simulator time before assuming full command.

Share your transition plan once and we’ll present it to all carriers in a unified format—helping you secure stronger terms with less paperwork and more flying.

Operational Considerations

• IFR & night: strong IFR skills and a capable autopilot reduce workload and risk.
• SE procedures: documented proficiency in asymmetric operations is reviewed closely.
• De-ice/FIKI: important for dispatch reliability but still requires prudent decision-making.
• Terrain & runway: density altitude, obstacles, and short/soft fields all impact underwriting.

Cost Drivers & Ways to Save

• Complete annual simulator or mentor-led recurrent training.
• Build time in make/model before high-risk missions or acting as PIC.
• Document maintenance, storage, and reliability-focused upgrades.
• Choose limits and deductibles that match your needs and exposure.

Popular Multi-Engine Segments

We frequently insure piston twins like Barons, Senecas, and Twin Comanches—and turboprops including King Air C90/200 models and Cheyennes. No matter your aircraft, our process ensures you can compare every carrier with one streamlined submission.

Training & Transition Paths

Pilots stepping up from complex singles often benefit from structured dual instruction, supervised initial PIC time, and simulator-based courses. Presenting a clear path helps underwriters support proactive renewals with no surprise increases.

Documents & Details to Have Ready

• Pilot certificates, ratings, medical, and logged recent time, especially ME make/model hours.
• Aircraft details: N-number, year/model, prop/engine times, pressurization, icing capability, avionics list.
• Maintenance documentation, inspection records, hangar information.
• Any prior claims with supporting corrective-action details.

Ready to Protect Your Twin?

Share your aircraft profile, pilot experience, and mission details once—and we’ll return quotes from all underwriters with a claims advocate from start to settlement. All quotes, only one application. Save time. Fly sooner.

Start Your Multi-Engine Quote