Avemco Insurance Company
Frederick, Maryland, United States
Avemco Insurance Company is an active U.S. aviation insurance carrier headquartered in Frederick, Maryland and part of Tokio Marine HCC. Public materials position it as the only direct aircraft insurer in the U.S., with products centered on general aviation owners, renters, CFIs, flying clubs, homebuilt/experimental aircraft, and aircraft traders. Its strongest public differentiators are direct access to underwriters, online quoting/claims tools, nationwide licensing, and AM Best A++ financial strength. Public discourse is generally favorable on responsiveness, clarity, and claims anecdotes, but more mixed on pricing and underwriting flexibility versus brokered alternatives.
Contact
Websiteavemco.com
Email[email protected]
Phone(888) 241-7891
Contact formavemco.com
Quote requestavemco.com
Applicationavemco.com
LinkedInlinkedin.com
Best for
- owner-flown general aviation aircraft
- renters and student pilots needing non-owned coverage
- CFIs seeking direct-market coverage
- experimental/homebuilt aircraft owners
- non-commercial flying clubs
Potential drawbacks
- not always price-competitive
- can impose underwriting requirements beyond FAA minimums
- limited public evidence of appetite for broader commercial or complex specialty operations
- multi-engine flying clubs are not eligible per public FAQ
Coverage and fit
Aircraft segments
Coverage lines
Borrower segments
Not listed.
Usage segments
Research signals
Reputation score
4.2
Signal strength
moderate
Sources
18
Public web signal skews positive on service quality, staff knowledge, and ease of quoting/renewing, especially among owner-flown and renter/CFI buyers who value direct access to underwriters. Independent forum discussion is more mixed on price and underwriting fit: Avemco is often viewed as straightforward and claims-capable, but not always the cheapest and sometimes more restrictive or less competitive for certain aircraft, flying clubs, older pilots, or harder-to-place risks.
Positive themes
- helpful and knowledgeable staff
- fast quote/renewal process
- direct access to underwriters
- good claims experiences in multiple anecdotal reports
- financial strength and longevity
Negative themes
- can be more expensive than brokered alternatives
- rate increases or renewal jumps are a recurring complaint in forums
- underwriting can be stricter than FAA minimums
- some renters report mismatch with certain flight-school expectations or policy preferences
Forum themes
- Avemco is frequently compared against AOPA/brokered markets on price versus service/directness
- Pilots often describe Avemco as a useful direct market to quote even when they ultimately shop elsewhere
- Forum users report favorable claims handling anecdotes, but also recurring concerns about premiums, older-pilot requirements, and underwriting rigidity
Sources