Like others, I have "self-insured" the hull for in-flight since such a loss
would probably not be repairable - either me or the airplane.  I do use the
plane for travel and cannot always control the circumstances under which it
is parked, ergo the desire for "comprehensive", not-in-flight hull coverage.  


Passenger coverage is less important to me since I can only carry one and I
generally require that they be pilots.  A pilot would have a hard time
claiming he didn't know the risk, especially after seeing me land.

Most importantly, $1,000,000 liability coverage allows possible flight into
Mexico or Canada.  Ok, if you don't care about that, 1 mill is needed to
race.  Now, that is something I NEED.

Re Avemco: while they seem to be pricey, there were some strange, but useful
benefits by holding their homebuilt policy.  One could get first flight
coverage for no additional cost if EAA tech counselors and Flight advisers
were consulted.  Liability coverage was extended for up to 3 years after the
aircraft was sold - no additional cost, etc.  

Now I am looking for someone else because they have basically abandoned the
performance homebuilders and there is nothing the EAA is capable of doing
about it.

Scott Krueger
N92EX
The whining doesn't stop even after the engine is shut down.