Peter R. wrote in message ...
Frederick Wilson wrote:

As a renter of the local FBO 172, should I obtain personal renter insurance?

Yes. The FBO's insurance policy protect them, not you. It is possible
that the insurance company, after paying the claim, will come after you
for money they spent repairing any damage.

Although is about as likely as being hit by lightening. My broker has
been insuring FBOs for 30 years and has never had this happen with any
of his clients.

What are the pro's and con's?

I can't think of any cons. Like any policy, the pros are that you will
sleep better and fly with less distractions.

Just like any decision you must do a cost/benefit analysis. Certainly,
it is not worth the premium for some students. If your FBO has full
hull and you have limited assets, what are you trying to protect with
a renter's policy???


Where would one get such coverage?

When I rented, I purchased a good policy from Avemco. I believe I paid
about $350 for the year. Prices will be different depending on the
varying values of liability and hull value of the aircraft.

It is a very rare case where you will need to insure the hull value of
the aircraft. You are usually looking at what the insurance does not
cover. Things like deductable, lose of use, etc. Check the FBOs policy
to see what part of the hull they do not cover. If the FBO is stupid
enough to not buy hull and mistaken enough to think that having
renters buy renters insurance to replace the airplane, they will
eventuall lose their shirts anyway.