Nope. I've talked about this with my agent and others have confirmed it. It's not considered an additional risk to your home owners because they are two separate insurances.
For those interested, here is an interesting document. It is the letter from the director RE the ban. What is interesting is that it specificly says the following:
"The closures do not apply to launching, landing, or operating unmanned aircraft from or on non-federally (e.g., private or state)...
Here is more info on state farm "drone insurance". If you live in the US (not in CA) then it is by far the best deal. The tricky part is finding an agent who knows about it and will not try to rip you off. For that I created a spreadsheet that overs have added agents that they had good...
"When you register your drone you make a commitment to stay below 400', and not to fly over people or property."
Read my above post and look at the registration screenshot more carefully. This is not true. You are simply agreeing that you know of the guidelines. You are not required to follow...
Looks like there is a lot of misinformation / confusion in this thread. Here are the legal reasons (with sources cited) why the 400' rule does not apply to recreational users.
Here is why:
In 2012 congress passed public law 112-95 Section 336 "Special rules for certain unmanned aircraft...
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