Insurance

Discussion in 'General Discussions' started by Will Cheyney, Oct 31, 2016.

  1. Will Cheyney

    Will Cheyney Member

    Joined:
    Oct 21, 2016
    Messages:
    7
    Likes Received:
    2
    Does anyone here insure their quad (non-commercial) with any other service other than DJI's Refresh?
    I'm assessing the possibility of getting something for accidental cover but not really sure where to start.

    Any advice would be most welcome.
    Thanks.
     
  2. kmaluo

    kmaluo Well-Known Member

    Joined:
    Oct 14, 2016
    Messages:
    419
    Likes Received:
    105
    Some renters/homeowners insurance companies have cheap add on policies for electronics with low deductibles. Usually covers theft and loss as well. You should also check out how much liability coverage your homeowners insurance covers. I'm at 300k and just got a 1M umbrella policy. Mainly obtained for other reasons, but nice having that assurance just in case.
     
  3. Anthony Viscomi

    Anthony Viscomi Well-Known Member

    Joined:
    Oct 12, 2016
    Messages:
    340
    Likes Received:
    87
    Location:
    Philadelphia, PA
    State Farm offers a Personal Article plan approx $60 per year
     
  4. arubadave

    arubadave Member

    Joined:
    Oct 12, 2016
    Messages:
    14
    Likes Received:
    2
    Location:
    Atlanta, GA, USA
    I checked with State Farm also. $60 is what I was quoted.
     
  5. spikeanoid

    spikeanoid Active Member

    Joined:
    Oct 17, 2016
    Messages:
    39
    Likes Received:
    12
    Does that require you to have an existing policy with State Farm?
     
  6. BD0G

    BD0G Well-Known Member

    Joined:
    Oct 13, 2016
    Messages:
    166
    Likes Received:
    65
    Location:
    San Jose, Ca / Lake Tahoe NV
    No
     
  7. Anthony Viscomi

    Anthony Viscomi Well-Known Member

    Joined:
    Oct 12, 2016
    Messages:
    340
    Likes Received:
    87
    Location:
    Philadelphia, PA
    But you will get a better rate if you are a customer (i.e. multi line discount)
     
  8. Fireblade

    Fireblade Well-Known Member

    Joined:
    Oct 25, 2016
    Messages:
    128
    Likes Received:
    16
    I'm not sure you even need a paf, it should be covered under your home or renters for theft at least just like any of ur personal property(minus ur ded). Not sure if either one will cover for fly aways, of course you can always say it was stolen. Lol.

    Liab follows you too, whether you're flying your drone or not.
     
  9. Anthony Viscomi

    Anthony Viscomi Well-Known Member

    Joined:
    Oct 12, 2016
    Messages:
    340
    Likes Received:
    87
    Location:
    Philadelphia, PA
    This wasn't the fact with State Farm...My homeowners would cover me if it was stolen, but not covered if damaged.
     
  10. Fireblade

    Fireblade Well-Known Member

    Joined:
    Oct 25, 2016
    Messages:
    128
    Likes Received:
    16
    Good to know. So the paf will cover for damages too.?
     
  11. choke666

    choke666 Member

    Joined:
    Nov 2, 2016
    Messages:
    18
    Likes Received:
    6
    I called my State Farm rep here in California ... he said because it is registered with the FAA it's considered an aircraft and they cannot insure aircrafts. Anyone have a contact here in California I can get in touch with? Thanks!


    Sent from my iPhone using MavicPilots
     
  12. Anthony Viscomi

    Anthony Viscomi Well-Known Member

    Joined:
    Oct 12, 2016
    Messages:
    340
    Likes Received:
    87
    Location:
    Philadelphia, PA
    How did he know it was registered?
     
  13. choke666

    choke666 Member

    Joined:
    Nov 2, 2016
    Messages:
    18
    Likes Received:
    6
    He had a couple people ask already I guess. He brought it up to his manager again and they said it's a no go. I'm wondering if I can go cross state to get insurance.... is that a thing?

    Edit: and I should have known you were out of state with the no helmet in the avatar... makes me miss my road king I sold last year :/


    Sent from my iPhone using MavicPilots
     
  14. BD0G

    BD0G Well-Known Member

    Joined:
    Oct 13, 2016
    Messages:
    166
    Likes Received:
    65
    Location:
    San Jose, Ca / Lake Tahoe NV
    Just call another
    State Farm agent in your area. There are lots of various offices and tell them its a "hobby drone". You got an office that are being hardasses for whatever reason.
     
  15. BD0G

    BD0G Well-Known Member

    Joined:
    Oct 13, 2016
    Messages:
    166
    Likes Received:
    65
    Location:
    San Jose, Ca / Lake Tahoe NV

    Same here. I was the first policy holder for a Drone Personal Article policy with StateFarm in Northern Nevada.
     
  16. Todd Reimer

    Todd Reimer Active Member

    Joined:
    Oct 16, 2016
    Messages:
    29
    Likes Received:
    8
    Same here - Although I didn't get those details, it was very clear that they do no offer this policy in the state of California.
     
  17. choke666

    choke666 Member

    Joined:
    Nov 2, 2016
    Messages:
    18
    Likes Received:
    6
    I just got off the phone with an insurance broker in Torrance, CA. She said that one of her coworkers has written a personal article policy for a drone before but he is out of the office until tomorrow. I'll definitely get back to you once I hear from them.


    Sent from my iPhone using MavicPilots
     
  18. Anthony Viscomi

    Anthony Viscomi Well-Known Member

    Joined:
    Oct 12, 2016
    Messages:
    340
    Likes Received:
    87
    Location:
    Philadelphia, PA
    I do remember reading when added Personal Article to my policy that it differed state to state.
     
  19. Lightsout

    Lightsout Well-Known Member

    Joined:
    Oct 15, 2016
    Messages:
    104
    Likes Received:
    34
    Keep in mind if it flys away to be covered the insuaracne company will require you to file a police report, filing a false theft report is a crime, the State farm or H/O insurance is not an option without comiting a crime. If it did fly away calling the Police may open you to further liability if it damaged anything (assuming none or hidden registration identification.

    That is not an option.
     
  20. spikeanoid

    spikeanoid Active Member

    Joined:
    Oct 17, 2016
    Messages:
    39
    Likes Received:
    12
    I contacted state farm about a standalone policy today for $1000 for my Mavic and they quoted me $30 for a year with no deductible. I asked if it covered accidental damage, damage due to mechanical failure, and "fly-aways" or being lost in a lake. He told me yes to all. He's writing it up now (what the heck does that mean?) and will contact me tomorrow. I'm skeptical flyaways would really be covered. I lead with wanting to insure an "aerial camera". He asked if it was a drone, I replied yes, and we went from there. In all honesty, it sounds too good to be true. Has anyone filed a claim yet?
     
Loading...
Similar Threads - Insurance Forum Date
UK Insurance General Discussions Nov 3, 2016
Insurance Mavic Pro Discussions Oct 31, 2016
Drone Insurance General Discussions Oct 29, 2016
DJI care - insurance General Discussions Oct 27, 2016
Canadian Laws to get Stricter (Licences & Insurance requirements!) sUAV Rules & Regulations Oct 19, 2016

Share This Page