I"m not sure what "normal" is. Of the 3 FBOs I've bothered to check
with 2 of them have policies that cover the renters for liability (as
if they were named) and hull (minus deductable). The FBOs say it
doesn't cost much more and if the renter gets sued odds are the FBO
will be sued anyway. Its easier to keep friends and cover your renters
on your policy.

-Robert