Mortimer Schnerd, RN wrote:

The base policy (with AOPA's company) covers damage to others and property but
not the aircraft itself. Depending on how much hull insurance I add, the
premium goes up *very* rapidly and significantly. That's why I thought to only
cover the FBO's deductible.


It may be expensive, just realize that you could be on the hook for
whole hull value if you were to blame for the damage. The way it
(normally) works is that the FBO's insurance covers the FBO. They will
pay the FBO for the loss of the hull, minus the deductible. The
insurance company can then go after you to recover their loss
(subrogation that Larry mentioned). That's why renters' insurance
exists. It protects you, the renter, from having to cough up for the
hull.

From a marketing standpoint, I think the insurance companies'
motivations to offer renters' insurance was a stroke of genius.
Liability and hull for renters costs nearly as much as if you owned.
In the old days before renters insurance, the companies could only make
money from one policy on each aircraft. Now you have what amounts to
multiple people, paying multiple premiums to insure the same aircraft
for the same risk.

John Galban=====N4BQ (PA28-180)