Fred,

Just renewed my renter's insurance through AOPA, slightly cheaper than
Avemco with the same coverage and it was only $50 to add my employer
as a named insured as opposed to $300 with Avemco.

For $80,000 hull coverage and $1 mil liability with $100,000 sublimits
per person (which I despise, but smooth insurance for renters is NOT
available), I'm paying just over $1,000. I was amazed to find that
ratings and flying time do NOT matter on the price. I take recurrent
training every six months, yet that didn't affect the rate at all.
For owned aircraft insurance ratings and recurrent training do affect
the price of the insurance.

Do NOT get insurance that just covers the FBO's deductible, that does
not protect you if the FBO's carrier chooses to subrogate against you
for the loss.

The problem is that there is only $100,000 available for injury or
death per person, which you can burn through in a big hurry. However,
the policy does provide you a defense, which is very valuable. An
aggressive defense and $100,000 may help cut down the risk to your
personal assets.

The only alternative is to not fly or buy an airplane and buy a smooth
policy to cover yourself when flying it.

All the best,
Rick

"Frederick Wilson" wrote in message news:Jw2Nb.51945$8H.102633@attbi_s03...
As a renter of the local FBO 172, should I obtain personal renter insurance?

What are the pro's and con's?

Where would one get such coverage?

Thanks,
Fred