06/23/2026
A question that comes up in almost every onboarding call with new owners: what does aircraft insurance actually require, and who is enforcing it?
Most pilots are surprised to find out the FAA does not require it, but their airport, lender, and in some states their state government do. There is also the named pilot warranty, which catches a lot of first-time owners off guard.
So we put together a guide on exactly what each party expects and how to read your policy before something goes wrong: https://www.skywatch.ai/blog/aircraft-insurance-requirements-airport-lender-state