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rv10rob(at)gmail.com
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 Posted: Thu May 03, 2012 10:09 am Post subject: Am I overinsured? |
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Time to renew the insurance again, and I'm thinking I'm overinsured at $200k coverage. My RV-10 is a year old, has 110 hours TT on a new Aerosport IO-540, new Hartzell blended airfoil prop. Everything is pretty standard. No paint yet, but will be getting it painted this year. Panel has a couple Dynons, non-WAAS GNS430, and a Garmin 696 (picture here: http://kochman.net/N819K/wp-content/uploads/2010/11/panel_sm.jpg).
What do you think? Thanks in advance for the input.
-Rob
--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
[quote][b]
| | - The Matronics RV10-List Email Forum - | | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
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robertbrunk(at)mac.com
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| Posted: Thu May 03, 2012 10:22 am Post subject: Am I overinsured? |
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What would it take to replace it. Mine has a little better avionics package and is insured for $225000. Robert
On May 3, 2012, at 1:07 PM, Rob Kochman wrote:
| Quote: | Time to renew the insurance again, and I'm thinking I'm overinsured at $200k coverage. My RV-10 is a year old, has 110 hours TT on a new Aerosport IO-540, new Hartzell blended airfoil prop. Everything is pretty standard. No paint yet, but will be getting it painted this year. Panel has a couple Dynons, non-WAAS GNS430, and a Garmin 696 (picture here: http://kochman.net/N819K/wp-content/uploads/2010/11/panel_sm.jpg).
What do you think? Thanks in advance for the input.
-Rob
--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
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| | - The Matronics RV10-List Email Forum - | | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
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coop85(at)verizon.net
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| Posted: Thu May 03, 2012 10:41 am Post subject: Am I overinsured? |
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Robert's point is spot on. You can check out Barnstormer's for RV-10s for sale, but the prices typically run $200K+/- about $20K, although there is one out there for only $139,000 right now. When I first applied for insurance in 2007 I don't think I could talk the folks out of more than $145K which I figured I could rebuild the airplane by not go buy a new one if needed (of course now you'd have to hire a mechanic for annuals, etc). It would be curious what you find in rates for varying amounts of insurance. If it's not too bad, I'd stick with what you have. I had a hull loss in the past and the insurance suddenly becomes very cheap when faced with that event.
Marcus
do not archive
On May 3, 2012, at 2:22 PM, Robert Brunkenhoefer wrote:
What would it take to replace it. Mine has a little better avionics package and is insured for $225000. Robert
On May 3, 2012, at 1:07 PM, Rob Kochman wrote:
[quote]Time to renew the insurance again, and I'm thinking I'm overinsured at $200k coverage. My RV-10 is a year old, has 110 hours TT on a new Aerosport IO-540, new Hartzell blended airfoil prop. Everything is pretty standard. No paint yet, but will be getting it painted this year. Panel has a couple Dynons, non-WAAS GNS430, and a Garmin 696 (picture here: http://kochman.net/N819K/wp-content/uploads/2010/11/panel_sm.jpg).
What do you think? Thanks in advance for the input.
-Rob
--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
[b]
| | - The Matronics RV10-List Email Forum - | | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
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n223rv(at)wolflakeairport
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| Posted: Thu May 03, 2012 10:49 am Post subject: Am I overinsured? |
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I guess it depends on what you are paying for the insurance too... My insurance company would only insure a -10 to $175k, but I'm 'only' paying $1680/yr this year. I was good with the coverage vs cost ratio. I have dual 10" SkyViews in the panel.
I use the term 'only' loosely 
Sent from my iPhone
On May 3, 2012, at 2:07 PM, Rob Kochman <rv10rob(at)gmail.com (rv10rob(at)gmail.com)> wrote:
[quote]Time to renew the insurance again, and I'm thinking I'm overinsured at $200k coverage. My RV-10 is a year old, has 110 hours TT on a new Aerosport IO-540, new Hartzell blended airfoil prop. Everything is pretty standard. No paint yet, but will be getting it painted this year. Panel has a couple Dynons, non-WAAS GNS430, and a Garmin 696 (picture here: http://kochman.net/N819K/wp-content/uploads/2010/11/panel_sm.jpg).
What do you think? Thanks in advance for the input.
-Rob
--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
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===================================
://www.matronics.com/Navigator?RV10-List
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cs.com
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matronics.com/contribution
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carl.froehlich(at)verizon
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| Posted: Thu May 03, 2012 12:28 pm Post subject: Am I overinsured? |
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Shoot - I just wrote a check for almost twice that for mine but first flight not yet done and I opted for full coverage for the test period.
Where did you get your insurance? Jenny at Nation Air told me next year will be cheaper but nothing as low as you list.
Carl
FSDO inspection May 23
On May 3, 2012, at 2:49 PM, Michael Kraus <n223rv(at)wolflakeairport.net (n223rv(at)wolflakeairport.net)> wrote:
[quote]I guess it depends on what you are paying for the insurance too... My insurance company would only insure a -10 to $175k, but I'm 'only' paying $1680/yr this year. I was good with the coverage vs cost ratio. I have dual 10" SkyViews in the panel.
I use the term 'only' loosely
Sent from my iPhone
On May 3, 2012, at 2:07 PM, Rob Kochman <rv10rob(at)gmail.com (rv10rob(at)gmail.com)> wrote:
| Quote: | Time to renew the insurance again, and I'm thinking I'm overinsured at $200k coverage. My RV-10 is a year old, has 110 hours TT on a new Aerosport IO-540, new Hartzell blended airfoil prop. Everything is pretty standard. No paint yet, but will be getting it painted this year. Panel has a couple Dynons, non-WAAS GNS430, and a Garmin 696 (picture here: http://kochman.net/N819K/wp-content/uploads/2010/11/panel_sm.jpg).
What do you think? Thanks in advance for the input.
-Rob
--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
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===================================
://www.matronics.com/Navigator?RV10-List
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cs.com
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matronics.com/contribution
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://www.matronics.com/Navigator?RV10-List
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cs.com
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matronics.com/contribution
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[b]
| | - The Matronics RV10-List Email Forum - | | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
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rv10rob(at)gmail.com
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| Posted: Thu May 03, 2012 12:47 pm Post subject: Am I overinsured? |
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Thanks, guys... for the record, here's what I've paid so far (private/IFR w/ 320 hours TT).
From the first flight: $4572
Just after phase 1 complete: $4035
Now (110 hours in type): $3389
Note this time I can get a policy for $2980, though it has a deductable and doesn't have the "minor" benefits that my current Starr policy has (e.g. search & rescue coverage). This is all through Jenny at NationAir.
-Rob
On Thu, May 3, 2012 at 1:27 PM, Carl Froehlich <carl.froehlich(at)verizon.net (carl.froehlich(at)verizon.net)> wrote:
| Quote: | Shoot - I just wrote a check for almost twice that for mine but first flight not yet done and I opted for full coverage for the test period.
Where did you get your insurance? Jenny at Nation Air told me next year will be cheaper but nothing as low as you list.
Carl
FSDO inspection May 23
On May 3, 2012, at 2:49 PM, Michael Kraus <n223rv(at)wolflakeairport.net (n223rv(at)wolflakeairport.net)> wrote:
| Quote: | I guess it depends on what you are paying for the insurance too... My insurance company would only insure a -10 to $175k, but I'm 'only' paying $1680/yr this year. I was good with the coverage vs cost ratio. I have dual 10" SkyViews in the panel.
I use the term 'only' loosely
Sent from my iPhone
On May 3, 2012, at 2:07 PM, Rob Kochman <rv10rob(at)gmail.com (rv10rob(at)gmail.com)> wrote:
get="_blank">http://www.matronics.com/Navigator?RV10-List
tp://forums.matronics.com
_blank">http://www.matronics.com/contribution
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--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
[quote][b]
| | - The Matronics RV10-List Email Forum - | | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
http://www.matronics.com/Navigator?RV10-List |
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coop85(at)verizon.net
Guest
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| Posted: Thu May 03, 2012 1:49 pm Post subject: Am I overinsured? |
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Michael, Who do you have your insurance with?
do not archive
On May 3, 2012, at 2:49 PM, Michael Kraus wrote:
I guess it depends on what you are paying for the insurance too... My insurance company would only insure a -10 to $175k, but I'm 'only' paying $1680/yr this year. I was good with the coverage vs cost ratio. I have dual 10" SkyViews in the panel.
I use the term 'only' loosely
Sent from my iPhone
On May 3, 2012, at 2:07 PM, Rob Kochman <rv10rob(at)gmail.com (rv10rob(at)gmail.com)> wrote:
[quote]Time to renew the insurance again, and I'm thinking I'm overinsured at $200k coverage. My RV-10 is a year old, has 110 hours TT on a new Aerosport IO-540, new Hartzell blended airfoil prop. Everything is pretty standard. No paint yet, but will be getting it painted this year. Panel has a couple Dynons, non-WAAS GNS430, and a Garmin 696 (picture here: http://kochman.net/N819K/wp-content/uploads/2010/11/panel_sm.jpg).
What do you think? Thanks in advance for the input.
-Rob
--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
href="http://www.matronics.com/Navigator?RV10-List">http://www.matronics.com/Navigator?RV10-List
href="http://forums.matronics.com/">http://forums.matronics.com
href="http://www.matronics.com/contribution">http://www.matronics.com/contribution
[b]
| | - The Matronics RV10-List Email Forum - | | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
http://www.matronics.com/Navigator?RV10-List |
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dlm34077(at)q.com
Guest
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| Posted: Thu May 03, 2012 2:23 pm Post subject: Am I overinsured? |
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My insurance was $2007; three pilots. Two VFR 500 hours, 50-100 in this RV10 and me 4000+ CFII Com ASEL, 350 in this RV10.
From: owner-rv10-list-server(at)matronics.com [mailto:owner-rv10-list-server(at)matronics.com] On Behalf Of Marcus Cooper
Sent: Thursday, May 03, 2012 2:48 PM
To: rv10-list(at)matronics.com
Subject: Re: Am I overinsured?
Michael,
Who do you have your insurance with?
do not archive
On May 3, 2012, at 2:49 PM, Michael Kraus wrote:
I guess it depends on what you are paying for the insurance too... My insurance company would only insure a -10 to $175k, but I'm 'only' paying $1680/yr this year. I was good with the coverage vs cost ratio. I have dual 10" SkyViews in the panel.
I use the term 'only' loosely
Sent from my iPhone
On May 3, 2012, at 2:07 PM, Rob Kochman <rv10rob(at)gmail.com (rv10rob(at)gmail.com)> wrote:
| Quote: |
Time to renew the insurance again, and I'm thinking I'm overinsured at $200k coverage. My RV-10 is a year old, has 110 hours TT on a new Aerosport IO-540, new Hartzell blended airfoil prop. Everything is pretty standard. No paint yet, but will be getting it painted this year. Panel has a couple Dynons, non-WAAS GNS430, and a Garmin 696 (picture here: http://kochman.net/N819K/wp-content/uploads/2010/11/panel_sm.jpg).
What do you think? Thanks in advance for the input.
-Rob
--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
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[quote][b]
| | - The Matronics RV10-List Email Forum - | | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
http://www.matronics.com/Navigator?RV10-List |
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coop85(at)verizon.net
Guest
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| Posted: Thu May 03, 2012 2:40 pm Post subject: Am I overinsured? |
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Not too shabby, who are you with?
On May 3, 2012, at 6:22 PM, DLM wrote:
v\:* {behavior:url(#default#VML);} o\:* {behavior:url(#default#VML);} w\:* {behavior:url(#default#VML);} .shape {behavior:url(#default#VML);} <![endif]--> st1\:*{behavior:url(#default#ieooui) } <![endif]--> <![endif]--> <![endif]-->
My insurance was $2007; three pilots. Two VFR 500 hours, 50-100 in this RV10 and me 4000+ CFII Com ASEL, 350 in this RV10.
From: owner-rv10-list-server(at)matronics.com (owner-rv10-list-server(at)matronics.com) [mailto:owner-rv10-list-server(at)matronics.com] On Behalf Of Marcus Cooper
Sent: Thursday, May 03, 2012 2:48 PM
To: rv10-list(at)matronics.com (rv10-list(at)matronics.com)
Subject: Re: Am I overinsured?
Michael,
Who do you have your insurance with?
do not archive
On May 3, 2012, at 2:49 PM, Michael Kraus wrote:
I guess it depends on what you are paying for the insurance too... My insurance company would only insure a -10 to $175k, but I'm 'only' paying $1680/yr this year. I was good with the coverage vs cost ratio. I have dual 10" SkyViews in the panel.
I use the term 'only' loosely
Sent from my iPhone
On May 3, 2012, at 2:07 PM, Rob Kochman <rv10rob(at)gmail.com (rv10rob(at)gmail.com)> wrote:
| Quote: |
Time to renew the insurance again, and I'm thinking I'm overinsured at $200k coverage. My RV-10 is a year old, has 110 hours TT on a new Aerosport IO-540, new Hartzell blended airfoil prop. Everything is pretty standard. No paint yet, but will be getting it painted this year. Panel has a couple Dynons, non-WAAS GNS430, and a Garmin 696 (picture here: http://kochman.net/N819K/wp-content/uploads/2010/11/panel_sm.jpg).
What do you think? Thanks in advance for the input.
-Rob
--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
|
012345
6789012345678
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[quote][b]
| | - The Matronics RV10-List Email Forum - | | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
http://www.matronics.com/Navigator?RV10-List |
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dlm34077(at)q.com
Guest
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| Posted: Thu May 03, 2012 3:57 pm Post subject: Am I overinsured? |
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Falcon insurance put the business with Britt/Paulk Aviation underwriters. Star is the writer and Chubb is the underlying, I believe. $175k hull; $1M liability with 100k per seat, medical is $3K pp , deductible is $50 not in motion, $250 in motion. Aircraft has new certified IO540 D4A5 with 550TT, Chelton dual displays with GRT sport as backup EFIS, TT VSGV AP, SL30, G327, and GRT EIS 6000. Soon to have the Free Flight systems UAT ADS-B RANGR-E with traffic and weather displayed on the Cheltons.
From: owner-rv10-list-server(at)matronics.com [mailto:owner-rv10-list-server(at)matronics.com] On Behalf Of Marcus Cooper
Sent: Thursday, May 03, 2012 3:40 PM
To: rv10-list(at)matronics.com
Subject: Re: Am I overinsured?
Not too shabby, who are you with?
On May 3, 2012, at 6:22 PM, DLM wrote:
<![endif]--> <![endif]-->
My insurance was $2007; three pilots. Two VFR 500 hours, 50-100 in this RV10 and me 4000+ CFII Com ASEL, 350 in this RV10.
From: owner-rv10-list-server(at)matronics.com (owner-rv10-list-server(at)matronics.com) [mailto:owner-rv10-list-server(at)matronics.com] On Behalf Of Marcus Cooper
Sent: Thursday, May 03, 2012 2:48 PM
To: rv10-list(at)matronics.com (rv10-list(at)matronics.com)
Subject: Re: Am I overinsured?
Michael,
Who do you have your insurance with?
do not archive
On May 3, 2012, at 2:49 PM, Michael Kraus wrote:
I guess it depends on what you are paying for the insurance too... My insurance company would only insure a -10 to $175k, but I'm 'only' paying $1680/yr this year. I was good with the coverage vs cost ratio. I have dual 10" SkyViews in the panel.
I use the term 'only' loosely
Sent from my iPhone
On May 3, 2012, at 2:07 PM, Rob Kochman <rv10rob(at)gmail.com (rv10rob(at)gmail.com)> wrote:
| Quote: |
Time to renew the insurance again, and I'm thinking I'm overinsured at $200k coverage. My RV-10 is a year old, has 110 hours TT on a new Aerosport IO-540, new Hartzell blended airfoil prop. Everything is pretty standard. No paint yet, but will be getting it painted this year. Panel has a couple Dynons, non-WAAS GNS430, and a Garmin 696 (picture here: http://kochman.net/N819K/wp-content/uploads/2010/11/panel_sm.jpg).
What do you think? Thanks in advance for the input.
-Rob
--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
|
012345
67890123456
[quote][b]
| | - The Matronics RV10-List Email Forum - | | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
http://www.matronics.com/Navigator?RV10-List |
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n223rv(at)wolflakeairport
Guest
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| Posted: Thu May 03, 2012 5:11 pm Post subject: Am I overinsured? |
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I'm with Airpower insurance. Tom Johnson 602-628-2701.
$1668 per year. $150K hull, $50 nim deductible, $250 in motion deductible. $1M liability, $100K per passenger injury liability.
Maybe the $150K is a little low, but I don't owe on it and if I it becomes a total loss and I'm still alive, $150K seems fair to me....
-Mike
Sent from my iPhone
On May 3, 2012, at 7:56 PM, "DLM" <dlm34077(at)q.com (dlm34077(at)q.com)> wrote:
[quote] v\:* {behavior:url(#default#VML);} o\:* {behavior:url(#default#VML);} w\:* {behavior:url(#default#VML);} .shape {behavior:url(#default#VML);} <![endif]--> st1\:*{behavior:url(#default#ieooui) } <![endif]--> <![endif]--> <![endif]-->
Falcon insurance put the business with Britt/Paulk Aviation underwriters. Star is the writer and Chubb is the underlying, I believe. $175k hull; $1M liability with 100k per seat, medical is $3K pp , deductible is $50 not in motion, $250 in motion. Aircraft has new certified IO540 D4A5 with 550TT, Chelton dual displays with GRT sport as backup EFIS, TT VSGV AP, SL30, G327, and GRT EIS 6000. Soon to have the Free Flight systems UAT ADS-B RANGR-E with traffic and weather displayed on the Cheltons.
From: owner-rv10-list-server(at)matronics.com (owner-rv10-list-server(at)matronics.com) [mailto:owner-rv10-list-server(at)matronics.com] On Behalf Of Marcus Cooper
Sent: Thursday, May 03, 2012 3:40 PM
To: rv10-list(at)matronics.com (rv10-list(at)matronics.com)
Subject: Re: Am I overinsured?
Not too shabby, who are you with?
On May 3, 2012, at 6:22 PM, DLM wrote:
<![endif]--> <![endif]-->
My insurance was $2007; three pilots. Two VFR 500 hours, 50-100 in this RV10 and me 4000+ CFII Com ASEL, 350 in this RV10.
From: owner-rv10-list-server(at)matronics.com (owner-rv10-list-server(at)matronics.com) [mailto:owner-rv10-list-server(at)matronics.com] On Behalf Of Marcus Cooper
Sent: Thursday, May 03, 2012 2:48 PM
To: rv10-list(at)matronics.com (rv10-list(at)matronics.com)
Subject: Re: Am I overinsured?
Michael,
Who do you have your insurance with?
do not archive
On May 3, 2012, at 2:49 PM, Michael Kraus wrote:
I guess it depends on what you are paying for the insurance too... My insurance company would only insure a -10 to $175k, but I'm 'only' paying $1680/yr this year. I was good with the coverage vs cost ratio. I have dual 10" SkyViews in the panel.
I use the term 'only' loosely
Sent from my iPhone
On May 3, 2012, at 2:07 PM, Rob Kochman <rv10rob(at)gmail.com (rv10rob(at)gmail.com)> wrote:
| Quote: |
Time to renew the insurance again, and I'm thinking I'm overinsured at $200k coverage. My RV-10 is a year old, has 110 hours TT on a new Aerosport IO-540, new Hartzell blended airfoil prop. Everything is pretty standard. No paint yet, but will be getting it painted this year. Panel has a couple Dynons, non-WAAS GNS430, and a Garmin 696 (picture here: http://kochman.net/N819K/wp-content/uploads/2010/11/panel_sm.jpg).
What do you think? Thanks in advance for the input.
-Rob
--
Rob Kochman
RV-10 Flying since March 2011
Woodinville, WA
http://kochman.net/N819K
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| | - The Matronics RV10-List Email Forum - | | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
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