Non-Owned or "Renter's" insurance covers you when you fly a borrowed or rented aircraft that you do not own and that is not available for your regular use. The owner's insurance policy may protect the owner, but it is not designed to protect a renter or borrower. Renter's insurance can fill this important gap for pilots that frequently fly other aircraft.
Who Needs Renter's Insurance?
Student and Renter Pilots: The flight school's insurance policy is designed to protect the flight school and the registered owner. You could still be held responsible for damage to the aircraft according to the rental agreement you signed. Renter's insurance can pay for some or all of the damage to the aircraft as well as protect you from liability you may have in the event of an accident.
Independent Flight Instructors: An aircraft owners' insurance policy does not provide coverage to a flight instructor. Also, flight schools that employ independent contractor CFI's may not have coverage to protect the CFI from liability in the event of an accident. Flight instructors that carry their own non-owned insurance can protect themselves from lawsuits and protect the flight school's or owner's insurance record by handling minor incidents through the CFI's insurance policy.
Aviation Hobbyists: Many of us involved with aviation are prone to borrowing an aircraft when our own is not available. In the event of a minor incident, you would want to be sure the borrowed aircraft is properly covered and that repairs can begin immediately. Non-owned insurance coverage can help a borrower take appropriate financial responsibility in the event of an incident.
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