I swore off State Farm like almost 30 years ago, from a very bad experience as a teenager, but this policy just looks too good, not to take advantage of.
I called one of the local State Farm agents, the guy new what a PAP policy was, and said that he had someone else ask about one yesterday for a drone, told me that I had to have other coverage with them to get it, wanted my home and auto business. I told him no that I just wanted a standalone policy, he said that the underwriter said no, but to come in, he may be able to get it to work, or would at least try.
I came in the same day, he kept pushing me to buy other insurance, and that I won't be able to get this policy otherwise, but finally said, sure I'll write it up, we can try.
Then starts talking about the high risk, and why would SF want to take this risk when I'm not an existing customer, I told him this wasn't liability coverage, and I've been flying for 5 years, own 13 multi-rotors, and 3 planes, and fly professionally, Company issued UAS, and regardless, either SF insures these or they don't, there isn't a risk assessment to be made, then he says well paying $100 a year for $1,000 drone is high risk for SF, maybe not for me, but for others. I told him, no it should be $60 for $3,000, and only California was excluded. This conversation, had got me rather heated, and I was getting pissed, was close to leaving. I told him I already knew what the policy entailed, and that it was fast becoming a popular policy with other hobbyists.
He finally starts the paperwork, I brought in receipts and asked to insure my Mavic, P3P, and a Nikon.
He calls a number, gives his agent ID, and, tells me yes, its $60, then was on hold for a minute, and asks me, how much of a deductible did I want, I was like WTF, its $60 regardless if the policy has any deductible, then he tells me, ya, your right, just that SF likes to have a deductible so that the insured has some "skin in the game", I'm like, ya no deductible, what am I, a moron. Gives me the conditions, under 55 lb, for personal use, etc, told me yest they don't do drone PAP policies in CA, which I had already told him, were the conditions.
I paid for the policy, and was insured same day, then he concludes with more pushing for my home/auto business, I told him I would consider it... NOT, lol, I used to have a wonderful agent in my home state of Illinois, who always looked after his customers, over that of the insurance company, this guy is exactly the opposite, and full of crap, I'm sure there may be some good descent SF agents, just not the guy I talked to, but I am happy to have my policy, and some peace of mind.
