Allstate Protection Plan for drones via eBay

[MS Coast]

Has anyone had any experience with the Allstate Protection Plans that are offered with eBay purchases, with drones or similar products? There's a $89.99 two-year accident plan offered with a $1249 Mini 5 Pro Fly More Combo, RC-N3. Other options are shown in the figure.

 

[moldorf]

looks like a decent plan

I use State Farm and I pay $60/year for up to $5000 in drone coverage. Full replacement and if a model has been discontinued and I need to upgrade in order to replace, as long as the cost doesn't exceed the limit, it's still full replacement

 

[tstr14]

I would keep looking. Last year, when I went to get a crease repaired on my truck caused by road debris, the body shop had a sign posted that any repairs done for Allstate would have to be paid up front. When I asked about it, the manager said they were the absolute worst company by far to deal with. Rather than just taking his word, I Googled it and sure enough, Allstate was number one in customer dissatisfaction.

 

[JLA956]

looks like a decent plan

I use State Farm and I pay $60/year for up to $5000 in drone coverage. Full replacement and if a model has been discontinued and I need to upgrade in order to replace, as long as the cost doesn't exceed the limit, it's still full replacement

This sounds like a great plan. Do you have a link to it on the State Farm site or the name of the plan so that I can check into it? TIA

 

[moldorf]

This sounds like a great plan. Do you have a link to it on the State Farm site or the name of the plan so that I can check into it? TIA

no link and I will say I've had State Farm auto for 55 years, home for 40, RV for 25. Another poster has said he was not a State Farm customer and went to them for drone insurance and was refused.

I'd just call your local SF office and see what they say

 

[Joseph mavic4]

DJI Drone MAVIC 4 Pro 512GB Creator Combo (DJI RC Pro 2) *SEALED* JP | eBay

DJI Mavic 4 Pro 512GB × 1. DJI Mavic 4 Pro Spare Propellers (1 set) × 4. DJI Mavic 4 Pro Storage Cover × 1. DJI Mavic 240W Power Adapter × 1. DJI Mavic Shoulder Bag × 1. DJI Mavic 4 Pro Parallel Charging Hub.

www.ebay.com

I just purchased on September 10th a MP4 creator combo and ND filters with shipping and tax for $3960. FedEx shipped it to my house and I received it on September 15. No tariffs duties or custom fees. I also purchased a policy from State Farm for $70 a year that covers fly aways, crashes, thefts etc.. I'll leave the link to where I purchased the drone and I would recommend them to anyone. Happy flying!
If anyone decides to purchase from them please let me know as I'd like to let them know I referred you thanks!

 

[MS Coast]

no link and I will say I've had State Farm auto for 55 years, home for 40, RV for 25. Another poster has said he was not a State Farm customer and went to them for drone insurance and was refused. I'd just call your local SF office and see what they say

My agent told me that drone coverage is available only as personal property rider on a homeowner's policy.

 

[Daytona500]

I have SF on my drone and I don't have anything else with them 60 a yr

 

[mavic3usa]

You don't need an agent to get drone coverage from State Farm. The popular coverage we mostly talk about on this forum it's probably better if you don't have an agent meaning you have zero relationship with State Farm. If you do (you have an agent) then....different topic maybe.

For you folks there who do all your insurance needs with Allstate or Farmers or GEICO or Progressive, don't be afraid to pickup a non-Cali phone book, call the State Farm office nearest you, and ask them if they can cover your new drone as a recreational flyer and be sure to tell them you've never had or never will have any other business with State Farm. If they haven't heard of this (likely) then hangup and call the next guy until you find someone who has.

 

[GadgetGuy]

I would keep looking. Last year, when I went to get a crease repaired on my truck caused by road debris, the body shop had a sign posted that any repairs done for Allstate would have to be paid up front. When I asked about it, the manager said they were the absolute worst company by far to deal with. Rather than just taking his word, I Googled it and sure enough, Allstate was number one in customer dissatisfaction.

Completely agree!

I changed insurance companies from Allstate to USAA after a USAA insured driver totaled my BMW, and USAA was easier to deal with in paying my claim than Allstate was in defending me against a fraudulent claim by the USAA insured driver! It was easier to convince USAA that their insured was at fault than my own Allstate insurance company!

 

[HozroHorizons]

looks like a decent plan

I use State Farm and I pay $60/year for up to $5000 in drone coverage. Full replacement and if a model has been discontinued and I need to upgrade in order to replace, as long as the cost doesn't exceed the limit, it's still full replacement

I've been a State Farm customer for 50 years (currently home, umbrella, autos, cycle, RV) and have been very pleased with SF overall. Be sure to check with your local agent. If you are using your drone commercially, it may not be covered.

 

[HoozierDroneDaddy]

It is very important that you DO NOT tell them you are a commercial pilot or that the drone in question was ever used commercially, even if the flight was for Hobby. They will not insure or pay for the drone if ever connected with commercial use.

 

[skycam509]

The State Farm policy in question is called a Personal Articles policy. It's not just for drones. I had 3 drones on it. It cost $70 per year and has a zero dollar deductible. Unlike DJI Care Refresh, there is no deductible, you can keep the policy in place indefinitely, and you don't have to retrieve the drone if something really bad happens to make a claim. It not only covers damage, but theft as well. If you crash into the ocean, you just call your agent and they cut you a check.

My agent mentioned that there was still some room in my policy to add other items. He suggested jewelry, guns, etc. I ended up adding 3 guitars to my policy, as I take them to gigs and there's always a chance of something happening. The guitars (not cheap ones) pushed my premium to around $100/yr, but still a bargain in my opinion. As others have stated, this policy does not cover your drones if you are using them to make money. I had to move mine to a different kind of policy once I started doing commercial work.

 

[HoozierDroneDaddy]

The State Farm policy in question is called a Personal Articles policy. It's not just for drones. I had 3 drones on it. It cost $70 per year and has a zero dollar deductible. Unlike DJI Care Refresh, there is no deductible, you can keep the policy in place indefinitely, and you don't have to retrieve the drone if something really bad happens to make a claim. It not only covers damage, but theft as well. If you crash into the ocean, you just call your agent and they cut you a check.

My agent mentioned that there was still some room in my policy to add other items. He suggested jewelry, guns, etc. I ended up adding 3 guitars to my policy, as I take them to gigs and there's always a chance of something happening. The guitars (not cheap ones) pushed my premium to around $100/yr, but still a bargain in my opinion. As others have stated, this policy does not cover your drones if you are using them to make money. I had to move mine to a different kind of policy once I started doing commercial work.

True, However, they WILL NOT cover your drone if it has ever been used for or is listed as one of your commercial drones.
And once you make the claim and is it paid, the policy is cancelled as they satisfied the claim.

 

[cneedelman]

DJI Drone MAVIC 4 Pro 512GB Creator Combo (DJI RC Pro 2) *SEALED* JP | eBay

DJI Mavic 4 Pro 512GB × 1. DJI Mavic 4 Pro Spare Propellers (1 set) × 4. DJI Mavic 4 Pro Storage Cover × 1. DJI Mavic 240W Power Adapter × 1. DJI Mavic Shoulder Bag × 1. DJI Mavic 4 Pro Parallel Charging Hub.

www.ebay.com

I just purchased on September 10th a MP4 creator combo and ND filters with shipping and tax for $3960. FedEx shipped it to my house and I received it on September 15. No tariffs duties or custom fees. I also purchased a policy from State Farm for $70 a year that covers fly aways, crashes, thefts etc.. I'll leave the link to where I purchased the drone and I would recommend them to anyone. Happy flying!
If anyone decides to purchase from them please let me know as I'd like to let them know I referred you thanks!

Looking at the ebay listing it says import fees will need to be paid to customs or the shipping carrier. Did you see that when you purchased it?

 

[GadgetGuy]

Looking at the ebay listing it says import fees will need to be paid to customs or the shipping carrier. Did you see that when you purchased it?

Lots of other sellers are specifically stating no additional tariffs at much higher prices.

 

[Joseph mavic4]

Lots of other sellers are specifically stating no additional tariffs at much higher prices.

All of them say that. I paid no fee fees

 

[GadgetGuy]

All of them say that. I paid no fee fees

"All of them" do not say that. A current seller in Japan for $3500 for the Creator Combo specifically states you are responsible for all tariffs. The sellers I am referring to are stating in the item title, "Mini 5 Pro—NO TARIFFS FOR USA"

Again, I am not disputing that you paid no tariffs. The only question is how the seller made sure of that, by fraudulently filling out the Customs Declaration Form. Most likely, they claimed to be shipping something else from a country of origin other than China, with a significantly lower declared value than what you paid, and they prepaid tariffs on that item, which was included in your purchase price.