Insurance woes

That isn't entirely true. Yes, underwriters typically go with the number of seats the airplane was certified with.

But you CAN get that number reduced if you have a good broker. What you need is a non-standard seating letter. It is basically a statement from you to the underwriter saying that you will never operate with more than x number of seats.

I have one for my Beech 18 (limited to 7 seats) since the Beech 18 was certified for 10.

That is good to know. Going from 5 to 4 versus 10 to 7 may be different, but brokers shopping is a good point. Thanks.
 
For a totally useless data point. I'm at 1000 TT, 328 complex, 0 time in type(5 hours required). 1994 M20J $130,000 hull, $1 million smooth. $2500 total, $1800 for the hull and $700 for the liability.
 
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