More Confused Than Ever..Help
- Thread starter WNYBill
- Start date
Jeez Louise, no question some of you need more alcohol in your cocktail hour! Chill, life is short!
NOW, I AM REALLY MORE CONFUSED THAN EVER
NOW, I AM REALLY MORE CONFUSED THAN EVER
Get the Mini 4 Pro, then skip DJI's Insurance called "Care refresh" and use your car insurance company to buy Personal Property Insurance on the drone. Save the receipt and serial number/ You will need to submit those to the insurance company.
DJI care refresh costs 200-300 dollars (for 2-3 years) , while personal property insurance costs 50-70 dollars per year.
MARK (LI)
Well-Known Member
That's is absolutely not true....it is 79 dollars for 1 year and 125 dollars for 2 years ...does auto insurance cover a drone if it flies away or you crash it?
Droning on and on...
Well-Known Member
Further, the lesser hassle of Care Refresh has value to some. That's me.
I've used CR for various models over the last decade, maybe 4 times. The process was easy, hassle-free, and fast. I loathe involving a third party in things like this if I can avoid it.
DJI fixed the solar burn-in on my Goggles v2, completely my stupid, negligent fault, free of charge, even though they weren't covered. I wonder if my CR on the DJI FPV played any role.
So, that's my perspective, and the rather small premium for CR over using our Homeowners policy is more than worth the convenience, to me.
YMMV.
In PA, where I live, I pay $45 year with State Farm. However, you must be flying purely for entertainment purposes no matter what your certification. This probably won’t matter to the OP. On the positive side of things, you don’t need to produce the drone and there’s no deductible. It may be overkill, but I carry DJI and State Farm because I don’t want to take a chance on losing the SF policy in case of a claim. 
MARK (LI)
Well-Known Member
So, what does State Farm actually cover?In PA, where I live, I pay $45 year with State Farm. However, you must be flying purely for entertainment purposes no matter what your certification. This probably won’t matter to the OP. On the positive side of things, you don’t need to produce the drone and there’s no deductible. It may be overkill, but I carry DJI and State Farm because I don’t want to take a chance on losing the SF policy in case of a claim.
I took out an accidental loss policy for my Mavic 3 and Mini 3 Pro with State Farm. Replacement value of a Mavic 3 Pro + battery of $2200. And replacement value of Mini 3 + battery of $700.
the policy cost $60/year and would still cost the same if the replacement values, combined, were under $5000. The policy covered damage and loss from fly-away. No deductible.
now, I've been insuring with State Farm for 50 years. We have had a Car, Van, and Pickup for 30 years; plus an RV, and a homeowners for 35 years too. State Farm, for me at least, has always been easy to work with on any claim
the policy cost $60/year and would still cost the same if the replacement values, combined, were under $5000. The policy covered damage and loss from fly-away. No deductible.
now, I've been insuring with State Farm for 50 years. We have had a Car, Van, and Pickup for 30 years; plus an RV, and a homeowners for 35 years too. State Farm, for me at least, has always been easy to work with on any claim
Auto insurance covers the drone if it is lost, stolen, fly aways, and crashes. They don't need proof of the crash or flyaway. They don't ask for flight records. You submit the claim and they send you the money for an equivalent replacement. That includes the entire package you bought. If you bought the fly more combo, the car insurance company pays for the price for the fly more combo , not just the drone replacement. They do this because the drones serial number is associated with the fly more combo invoice price, and that's what they end up paying out.
I have a State Farm personal property policy on two drones: a Mavic 3 and a Mini 3 pro
both are insured for new replacement value of the drone and battery. $2420 for the Mavic 3 Pro + battery since DJI does not sell the Mavic 3 anymore.
and $700 for the Mini 3, but I added a provision that if DJI is out of stock of Mini 3 Pro...as they are right now, the replacement cost is $850 for a Mini 4 Pro + battery
the policy covers all forms of loss & damage. All I have to do is file a claim and State Farm will send me a check. The policy costs $60/year. It would still be $60/year up to a $5000 policy. I have been with State Farm for 50 years for auto and 40 years for homeowners. I have NEVER had an issue when filing a claim
MARK (LI)
Well-Known Member
no...it's separate, stand-alone, personal property policy. I could have added other items to the policy, like a camera or binoculars. The premium is based upon total value insured. $60/year was the minimum premium that covers up to $5000. Above that, the premium escalates as the total value of insured property rises
I assume if you were insuring a $15,000 Matrice 30 it would cost considerably more. It might just be proportional but I didn't ask
man all everyone is doing is confusing him more.
Get the mini pro 4 comes with the screen controler and state farm ins for 60a year cover eberything and you dont need to have the drone like you do with car refresh
Get the mini pro 4 comes with the screen controler and state farm ins for 60a year cover eberything and you dont need to have the drone like you do with car refresh
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