It's a bit of a minefield this, and depends on the type of insurance cover you're looking for. From my experience (I'm heading out to San Diego shortly for a month's hour building) the following applies:
- a multi-trip travel policy
- includes normal travel/holiday benefits and personal accident cover, and specifically includes flying (which most insurers avoid like the plague). Death benefit though is usually very small (typically £5000) - for that you need a separate...
- life policy
, ie addtional to the travel policy. Cover typically costs a few £s per £1000 sum insured. To cover mortgage and other borrowings (ie most normal life policies won't cover you for flying as it's considered a hazardous activity, so worth checking out any existing cover you have.
- renter's insurance
- these policies do not
cover foreign nationals flying solo in the USA (but ok for flying instruction), leaving any hour-builders potentially exposed when it comes to aircraft leased or hired. There was an article about this in a recent edition of Pilot
magazine. Nothing else seems to be available - insurers here in the UK aren't interested.
Just make sure you don't crash your aircraft
I've approached Traffords (details in all the flying mags) for the travel and PA insurance.
Hope this helps.