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  #11  
Old 08-27-2018, 12:43 PM
swordtail swordtail is offline
 
Join Date: Oct 2011
Location: Grindstone, PA
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6A, $75K hull, $900 AIR
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  #12  
Old 08-27-2018, 12:58 PM
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GalinHdz GalinHdz is online now
 
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Quote:
Originally Posted by Flying again! View Post
I went thru USAA (Falcon Insurance is the Broker).

TJ
Wow, USAA is now doing experimental airplane insurance via Falcon? Thanks for the info.
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  #13  
Old 08-27-2018, 02:07 PM
BobTurner BobTurner is offline
 
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Location: Livermore, CA
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Rate quotes are almost meaningless without the full details. e.g., is that $1 million liability coverage restricted to $100K per passenger, or $100K per person, or are there no restrictions (commonly called CSL, combined single limit, or sometimes ‘smooth’). How many (if more than one) named insureds are there, and what are their ratings and experience? Does the policy cover anything unusual, such as giving instruction for hire to others? Do you routinely operate off unimproved strips? etc. These are just some of the questions I’m asked at every renewal.
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  #14  
Old 08-27-2018, 04:18 PM
bobnoffs bobnoffs is offline
 
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Location: n. wi
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shop around at least every couple years.
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dakota hawk/jab 3300 built and flying. sold 6/18.getting serious about the 12.
RV-12 kit as of 9/13
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  #15  
Old 08-28-2018, 12:04 AM
BobTurner BobTurner is offline
 
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Quote:
Originally Posted by bobnoffs View Post
shop around at least every couple years.
That should not be necessary if you have a good agent. That’s their job.
Except: AVEMCO sells direct, contact them directly for a quote. I have found them expensive, but they might send you a nice cap!
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  #16  
Old 08-28-2018, 04:14 AM
bobnoffs bobnoffs is offline
 
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it's your job to check on your agent. in the past several years i have had 2 very reputable agents according to comments from this site but rates have varied by over $200 from one to the other from year to year. i have no claim history.
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n. wi.
dakota hawk/jab 3300 built and flying. sold 6/18.getting serious about the 12.
RV-12 kit as of 9/13
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  #17  
Old 08-28-2018, 08:04 AM
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Ironflight Ironflight is offline
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Location: Dayton, NV
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Build more airplanes - then you can get fleet insurance, which is cheaper per plane....
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  #18  
Old 08-28-2018, 08:10 AM
bobnoffs bobnoffs is offline
 
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funny you should say that. the carrier i have for my build in progress quoted a cheaper rate than the carrier who was already insuring the plane i was flying.
like i said you gotta check.
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n. wi.
dakota hawk/jab 3300 built and flying. sold 6/18.getting serious about the 12.
RV-12 kit as of 9/13
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  #19  
Old 08-28-2018, 08:43 AM
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LettersFromFlyoverCountry LettersFromFlyoverCountry is offline
 
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Just be careful about dropping coverage and stuff. It's illogical to me to go through all the hoops some builders go through -- hello, primer! -- to guard against things that aren't likely to happen and then try to save money on things that are more likely to.

Avemco, by the way, may be an advertiser so I won't bother commenting on them. But if you're not insuring through Gallagher, there's a fair chance you're doing it wrong.
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  #20  
Old 08-28-2018, 08:53 AM
dweyant dweyant is offline
 
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Location: 07TS
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In addition to my RV-9A I have an experimental licensed (long story) 1946 J-3 cub.

Last year, when I went to insure it the premium was almost $1500 for the year (insured at $45,000 lowest they would write).

This year the premium actually went up a few dollars even with me having about 65 tail wheel hours now.

I talked to a couple neighbhors, and found a different company that wrote a policy with the same limits (except a more realistic $30,000 hull value) for $760.

Even with a broker it pays to shop around sometimes.

-Dan
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