Yeah, nothing like having to pay “twice” once through my pocket and then again through my income
Only problem is that the other quotes through AOPA I got increase my deductuble during hurrince season to between 5 and 10 percent of hull value if I don’t evacuate my plane out of the storms path
And it gets even better. One quote from an insurance company that AOPA got for me said for another pilot to fly my plane must have 25 hours in make and model (not type rating, as I called AOPA on this).
Sooo, my brother in law who has his commercial and multi engine is not allowed to fly my plane until I measily ole me with just an IA rating, no complex or high performance rating check him out. Something radically wrong with that picture. We are talking a Sundowner here with a C172 performance.
AIG gave me a quote of 950 and the other insurance company gave me a quote of 890 for 60K hull value. So even though it was cheaper with the other company, I wanted the flexibility of allowing another pilot fly my plane.
AIG didn’t have the hurricane clause or this bizarre 25 hours in make or model. Like you say, I need to keep my eyes wide open on this, as I haven’t paid yet for the next year, but I don’t want to chance of any lapse in coverage either.