Originally Posted by
Bosi72
No insurance company will insure the engine.
They will insure the hull only.
The hull includes the engine. I own and operate a PA-28-180 and I assure you that the entire aircraft is insured. My insurance company did not decide they would only insure parts of it.
Now, if your engine blows up and you land the aircraft without additional damage, the insurance company is not going to pay for a new engine. If the aircraft is destroyed in a landing attempt after engine failure they would pay agreed hull value less any deductable (USA policy).
I am very interest to know why this engine quit. My Lycoming 0-360-A4A has over 3,000 hours since overhaul and I have no expectation that it will suddenly stop working.