Protect What You Fly with Private Aircraft Insurance Built for You
Owning a private aircraft is a significant investment—and with that investment comes unique risks that require equally specialized protection. At Combs & Company, we provide tailored private aircraft insurance solutions designed to safeguard your aircraft, your liability, and your peace of mind. Whether you’re an experienced pilot or a new aircraft owner, our expertise in specialty insurance means you’ll receive custom coverage aligned with your aviation lifestyle, risk profile, and budget.
For over 20 years, Combs & Company has helped individuals and businesses navigate the complexities of insurance—simplifying the process while delivering premium protection. With our private aircraft insurance, you get more than a policy—you gain a strategic partner who understands what’s at stake and ensures you're prepared for the unexpected.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
What Does Private Aircraft Insurance Cover?
Private aircraft insurance from Combs & Company is carefully structured to protect against the specific risks of owning and operating a personal aircraft. Coverage options can include:
- Hull insurance to protect the physical aircraft whether it's in flight, taxiing, or grounded
- Liability coverage to protect you from third-party claims for bodily injury or property damage
- Passenger liability to ensure those flying with you are covered
- Medical payments for injuries to passengers or crew
- Hangar and ground equipment protection, depending on your setup

But insurance is more than a list of coverage items—it’s about what those coverages do for you. Our team guides you through each option, ensuring you’re fully protected from real-world risks like accidents, weather damage, theft, and legal exposure. We don’t believe in off-the-shelf policies—we create solutions that reflect your aircraft, how you fly it, and your personal risk tolerance.
Why Private Aircraft Owners Trust Combs & Company
The difference isn’t just in what we insure—it’s how we do it. At Combs & Company, we take a highly personalized, consultative approach to private aircraft insurance. We listen, educate, and advocate for you, so you're always confident in your coverage.
Here’s what sets us apart:
- Expertise in specialty insurance: We’ve helped thousands of clients across unique industries protect high-value, complex assets—including private planes.
- Access to top-rated carriers: We work with a curated selection of first-rate insurance providers that understand aviation-specific risk.
- Transparent, simplified process: Aviation insurance can be confusing—we make it understandable, approachable, and even enjoyable.
- A legacy of trust: With 20+ years of experience and a 98% client satisfaction rate, our service is built on long-standing relationships and real results.

Your plane isn’t just a vehicle—it’s a symbol of independence, opportunity, and success. We treat it that way.
How Private Aircraft Insurance Solves Real Problems for Owners
Whether your aircraft is for business, pleasure, or both, private aircraft insurance does more than meet a requirement—it mitigates stress, safeguards your finances, and protects your passengers. Without the right coverage, a single accident or liability claim could have devastating financial consequences. With Combs & Company, you get a strategy to match your reality.
Aircraft owners benefit by:
- Reducing liability risk from third-party injury or damage
- Protecting the physical asset in case of accidents, weather, or theft
- Ensuring regulatory compliance with FAA and state-level insurance requirements
- Gaining peace of mind knowing you have expert advocates on your side

When the skies are unpredictable, your insurance coverage shouldn’t be.
Who Needs Private Aircraft Insurance?
If you own or operate a non-commercial aircraft—whether it's a single-engine plane, light jet, or private turboprop—you need private aircraft insurance. This service is ideal for:
- First-time private aircraft owners
- Experienced pilots flying personal aircraft for leisure or business
- Aviation enthusiasts with multiple planes
- Entrepreneurs using private aircraft for regional travel
- Anyone financing or leasing a private plane (often a lender requirement)

Even if you only fly occasionally, the risks are real—and so is the need for comprehensive coverage.
What Happens After You're Insured?
The benefits of private aircraft insurance don’t stop once your policy is in place. With Combs & Company, you have an ongoing relationship—not a one-time transaction.
We continue to add value through:
- Annual reviews and updates to ensure your coverage evolves with your aircraft use
- Claims support and guidance if you ever need to file
- Proactive policy optimization to reduce premiums or adjust as regulations change
- Access to education through our Insurance 101 content and consulting services

You’ll always have a team that’s responsive, available, and on your side.
How Much Does It Cost to Insure an Aircraft?
The cost of private aircraft insurance depends on many variables—including the type of aircraft, its value, how often it’s flown, where it’s stored, and your piloting history. Insurance rates can also vary based on liability limits and the specific coverages you select.

Combs & Company works with you to find the right balance between comprehensive protection and manageable premiums. We explain every line item and ensure your policy fits both your needs and your budget—without compromising coverage.
To get accurate, tailored pricing, schedule a consultation with our team.
Do Private Planes Need Insurance?
Yes—private aircraft insurance is essential, and often legally or contractually required. While some states don’t mandate aircraft insurance, most fixed-base operators (FBOs), airports, and lenders do. Even if you’re not required to carry it, going uninsured exposes you to significant personal and financial risk.
From liability lawsuits to damage repairs, flying without insurance can result in steep out-of-pocket expenses. And in the unfortunate event of an accident, the right insurance could be the difference between a setback and a disaster.
At Combs & Company, we help you meet all regulatory requirements while also protecting what matters most.
Frequently Asked Questions About Private Aircraft Insurance
What does private aircraft insurance typically include?
Private aircraft insurance usually includes hull coverage, liability protection, medical payments, and sometimes hangar coverage. The exact inclusions depend on how you use your aircraft and what risks you're exposed to. Combs & Company works closely with clients to create custom insurance plans that match their needs precisely—so nothing is left to chance.
Is private aircraft insurance required by law?
Private aircraft insurance is not federally mandated in the U.S., but many states, airports, and financial institutions require it. Even when not required, it’s strongly recommended due to the high financial and liability risks of aviation. We help you understand what's required for your location and situation.
How is the cost of private aircraft insurance determined?
The cost is based on factors such as the aircraft’s type and value, the pilot’s experience, flight hours, intended use (business or personal), where the plane is stored, and selected liability limits. Because every pilot and plane is different, we provide personalized quotes after a thorough assessment of your needs.
Can I get insurance if I'm a new pilot?
Yes, although newer pilots may face higher premiums or more limited carrier options. At Combs & Company, we help new pilots find coverage that’s fair, flexible, and provides room to grow as your experience increases.
Why should I choose Combs & Company for private aircraft insurance?
We combine deep expertise in specialty insurance with a commitment to clarity, simplicity, and service. Our clients trust us not only because we deliver great policies, but because we genuinely care—and work to make insurance as stress-free as possible. With Combs & Company, you're not flying solo.
Ready to Protect Your Aircraft with Confidence?
Let’s make your private aviation journey safer and simpler. Contact Combs & Company today for a consultation and discover how our private aircraft insurance solutions give you the freedom to fly—without the worry.
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Experience the difference Combs & Company brings to your insurance portfolio. We don’t sell insurance — we build solutions that meet your requirements today, tomorrow, and on into the future. Our teams simplify insurance so you can make informed choices and be confident in your coverages. Businesses and individuals have been benefiting from our expertise for more than 20 years; contact us to experience what really makes us unique.
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