Be sure to get some insurance quotes before you buy anything. Be sure to be sitting down when you read the quotes. Figure around 4% to 7% of hull value for helicopter hull coverage, depending on experience (unless you self insure) and helo make/model. The bad news for a newer 109: this might be in the range of $200,000 to $400,000 per year just for hull coverage; the good news: you probably wont be able to buy coverage at any price (on a 109) without a more experienced pilot as PIC.
You might want to consider a Cessna Caravan as a "do it all" option. Turbine reliability, roomy, easy to fly, IFR capable, and much more reasonable insurance (although with 200 hours, you will need to fly with a mentor pilot for quite awhile, IMO, to get insured).
Last edited by EN48; 28th April 2008 at 02:37.