Owning an aircraft is one of the most rewarding investments a person can make. But every flight comes with unique responsibilities and risks. That’s why aircraft insurance is a key part of responsible ownership—helping address risks to your investment, passengers, and operations.

At Comegys Insurance Agency, aviation is one of the coverage areas we handle regularly. Our team assists aircraft owners, pilots, and businesses in navigating aviation insurance options. In this guide, we’ll outline the essentials, common challenges, and key considerations for selecting coverage.

Whether you own a single-engine Cessna or a business jet, aircraft insurance is designed to help manage:

• Hull Coverage – Helps cover repair or replacement costs if the aircraft is damaged.
• Passenger Liability – Provides coverage for claims involving passengers injured during flight.
• Public Liability – Helps address third-party property damage or bodily injury.
• Commercial Use – Coverage tailored for charter, instruction, or cargo operations.

Rising costs, fewer carriers, and complex underwriting make aviation insurance more challenging. Working with an agency familiar with aviation coverage can help simplify the process and identify available options.

Not all aviation policies look alike. At Comegys, we help clients understand the nuances of the following coverage options:

1. Aircraft Hull Insurance

Helps cover physical damage to the plane. This may be:

• All Risks: Ground and Flight: Covers incidents whether in the air, taxiing, or parked.
• Ground Only: Focused on storage or hangar risk.
• Not in Motion: Covers only when the aircraft is completely stationary.

2. Public Liability Insurance

Helps address damage to third-party property or injury to people on the ground.

3. Passenger Liability Insurance

Helps covers claims from passengers injured in your aircraft.

4. Combined Single Limit (CSL)

A single overall limit that may combine public liability and passenger liability into one.

5. Hangar Insurance

Helps covers damage to your hangar or contents, as well as liability for operations on the ground.

6. Commercial Coverage

Broad coverage options for operations like charter services, aerial photography, flight schools, or cargo.

Plane ownership is exciting — but many owners run into the same hurdles when it comes to insurance:

• Sticker Shock – Premiums for aviation insurance can climb quickly, especially for higher-performance aircraft.
• Coverage Gaps – Many owners don’t realize what’s excluded from their policies until they need it.
• Pilot Requirements – Policies may require a minimum number of hours in type, or recurrent training.
• Changing Use Cases – A plane used for personal travel may later be leased out or flown for business, requiring adjustments to coverage.

Without careful planning, these challenges can leave owners underinsured or overpaying.

Comegys Insurance Agency takes pride in being a resource for aircraft owners across Florida and beyond. Here’s how we help:

• Market Access – We work with multiple carriers who offer aviation, coverage .
• Policy Reviews – We revew  your current coverage to help identify potential gaps.
• Education – Insurance jargon shouldn’t keep you from understanding your own policy. We explain in plain terms how your coverage applies.
• Ongoing Support – As your aircraft use evolves — new ratings, new hangar, more flight hours — we help ensure your coverage evolves too.

It’s not about selling you a policy. It’s about helping you make informed decisions that align with your flying goals.

Based in St. Petersburg, Florida, Comegys understands that local aircraft owners face unique risks:

• Weather Events – Hurricanes, tropical storms, and high winds add to the risk of hull damage and hangar exposure.
• Year-Round Flying – Florida’s climate allows nearly year-round flight operations, but also increases exposure hours.
• Busy Airspace – With tourism and training schools, Florida has some of the busiest skies in the country, raising liability considerations.

Comegys ties local insight with national reach, making us uniquely positioned to guide Florida aircraft owners.

Q: Is aircraft insurance required by law?

A: In the U.S., federal law does not mandate insurance for privately owned aircraft. However, liability coverage may be required by airports, lenders, or hangar agreements.

Q: Will my homeowner’s insurance cover my plane?

A: No. Aircraft require a dedicated aviation policy.

Q: Does pilot experience really affect premiums?

A: Yes. Total hours, type ratings, and recurrent training are major underwriting factors.

Q: Can I adjust my coverage if I only fly occasionally?

A: Some insurers offer options for limited-use aircraft, but the details vary.

Q: What happens if I use my aircraft for business?

A: Commercial use requires specific coverage. Using your aircraft for business under a personal policy could void claims.

October is a transitional month — hurricane season winds down, cooler weather brings more flying opportunities, and many plane owners begin planning for the new year. It’s the ideal time to review your aircraft insurance:

• Evaluate Current Coverage before year-end.
• Plan for 2026 Operations, whether expanding, upgrading, or scaling back.
• Shop the Market as carriers adjust rates and offerings for the upcoming year.

Flying brings freedom, but with freedom comes responsibility. Whether you’re flying a single prop plane on weekends or managing multiple aircraft for business, navigating the skies of aviation insurance doesn’t have to be overwhelming.

At Comegys Insurance Agency, aviation is an important focus area of our business. We’re here to help aircraft owners understand their options and find coverage that fits their needs.

Your plane takes you where you want to go. We’ll help review your insurance coverage to keep pace with your needs.

Comegys Insurance Agency is an independent insurance agency offering access to multiple carriers and coverage options. Availability and eligibility vary by insurer, underwriting, and state.

Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.

Descriptions are for general informational purposes only and do not alter or extend any policy provisions. Refer to the issued policy for exact terms, conditions, and exclusions.