PPRuNe Forums - 1st Time Renters Insurance

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Quote:

I have a Wells Fargo account and card. It didn't matter as I don't have a US address. Insurance obtained by a false statement about residency might be invalid.

This is nonsense.

I, having never had Renters' insurance in USA before, decided with my fellow pilot for the first time in 2006 for a 2 week rental trip ,to get renters' insurance through AIG, using, with the FBO's permission, the FBO's address we were renting from.

They just need an address fromwhich to contact you.

It was a good move as I totalled a beautiful rented Archer 2 in the mountains.
The the renters' insurance paid up the $5,000 deductible without a peep.
We paid 120 bucks for premium and no refunds. Money well spent IMHO.

Don't rent in USA without Renters' Insurance. Period.

My understanding is that the excess is not the full extent of your liability in the USA, as we understand it to be in the UK.

In the event of damage, if they believe that you are in any way at fault, the owner's insurance company will sue you for their costs.

From confirmatory discussions I have had in the USA with local renting pilots, I would not rent an aircraft in the USA without renters insurance, whether it was specifically required by the owner/FBO or not.