Robert M. Gary wrote:
They look at what the cause was. I had a partner that had crashed a
Mooney complete with 4 serious injuries and a totalled plane. He bought
in on my plane w/o any increase in premium because the insurance
company decided the cause of the crash was mechanical (I don't think
they care too much about the NTSB's opinion).

When I talked to both my agent(s) and Avemco, they took a description
of my engine failure and said that it would not affect my ability to
get insurance or the premiums. However, having a high hull value
55 year old airplane is getting hard to insure these days anyhow,.