Purchasing liability insurance for a homebuilt airplane is much like purchasing insurance for any production aircraft. Most insurance companies will quote on RVs, with the exact premium depending on the pilot’s total experience, time in type and the other usual considerations.

Historically, hull insurance has been more difficult to obtain, but with the significant numbers of RVs now flying, several companies will readily provide this coverage as well.

Insurance covering the project in the shop, before it reaches flying status, has been quite difficult to find. Almost no homeowner’s insurance policy will cover aircraft or aircraft parts. However, a couple of companies have found it worthwhile to provide this as well.

Naturally, a group of RV builders would provide more buying power. In fact, we know of two companies that offer and solicit business from RV builders and promise the benefit of group rates.

In 1999, NationAir Insurance Agencies of Lincoln, NE cooperated with Van’s to design the VanGuard insurance program. This program gives the RV builder a wide range of possible coverage's, including a Builder’s Risk option that covers the project against all eventualities while it is in the shop. The VanGuard program also provides the benefits of a large group, and guarantees to meet or beat competitor’s prices.    
                        
SkySmith International, Ltd. is another aircraft insurance company you may contact for coverage's, and prices.