Small losses, unless indicative of poor piloting skills or bad aircraft
management, will usually not influence your rates much.

Overall, the marketplace does more to effect your rates than your own loss
history. If a company is hungry to write a bunch of your type of aircraft,
they will probably start offering good rates even if you've had a loss.


"Doug" wrote in message
om...
Insure for the full hull value but get the highest deductible you can
afford.
If you have a small accident (less than 10k) they just up your rates
for 5 years to get it back.

(Severso) wrote in message
...
What is a good rule of thumb for how much hull insurance should cost for
a new
seaplane pilot who buys a mid - 60's LA-4? 4% or more of hull value?
Thanks!

--Marshall S.