Allstate Protection Plan for drones via eBay

[skycam509]

I have the State Farm Personal Articles policy. I've never filled a claim, but people who have have posted on here that it went well. I was surprised to hear that SF didn't cancel their policies afterwards.

 

[SnitchingOnTrashBurners]

I didn't go with state farm because I've heard that making claims on their personal articles policy can result in your homeowners insurance going up (even if you don't have state farm for homeowners). After hearing this, I emailed back and forth with a state farm agent trying to confirm and he was very cagey and would never answer my question. I don't know if its true or not, but I didn't want to risk it.

I purchased Squaretrade Allstate plans. Sometimes they'll say "digital camera" or "electronics item" instead of drone when you first buy it, but you can just call them to clarify what the item is and they'll make it show as a drone of your specific model

Thanks Riptide, I've read somewhere else that Allstate would confirm it's a drone plan. Might have been you. Would be ridiculous if they did not recognize an accident plan bought with a drone as a drone plan. There aren't many documented cases of claims that I can find online. State Farm fly off protection would be nice; but Allstate bundled is pretty convenient, especially if it will not raise my homeowners insurance. Damage from crash was my main concern.

 

[qadsan]

Here’s a copy paste from the Allstate plans I was being offered by multiple vendors on ebay for drones. Double check with them to make sure you’re really covered or that they’ll switch your plan over to a drone plan. I also went with State Farm for drone coverage (personal articles policy), but have never filed a claim.

 

[skycam509]

I didn't go with state farm because I've heard that making claims on their personal articles policy can result in your homeowners insurance going up (even if you don't have state farm for homeowners). After hearing this, I emailed back and forth with a state farm agent trying to confirm and he was very cagey and would never answer my question. I don't know if its true or not, but I didn't want to risk it.

I purchased Squaretrade Allstate plans. Sometimes they'll say "digital camera" or "electronics item" instead of drone when you first buy it, but you can just call them to clarify what the item is and they'll make it show as a drone of your specific model in the system. I haven't made a drone claim, but 10ish years ago I made a claim on a tablet and had no issues.

That's crazy! That's the exact reason I got that SF stand alone policy - so if I ever had a claim it wouldn't affect my homeowner's. I guess all these bastards truly are in bed together. I might have to rethink this now. Thanks for the info!

 

[GadgetGuy]

That's crazy! That's the exact reason I got that SF stand alone policy - so if I ever had a claim it wouldn't affect my homeowner's. I guess all these bastards truly are in bed together. I might have to rethink this now. Thanks for the info!

Insurance companies share all claims data through a central database that they each have access to, which benefits all of them, just like a deadbeat tenant database of evictions for landlords and a credit report for lenders. Your cumulative claims history from all insurers follows you to wherever you are presently insured and to wherever you might seek insurance in the future. That cumulative claims history can affect your rates, your ability to renew, and even result in cancelation of your current coverage, even though the claims history is completely unrelated to your current insurance policy.

 

[SnitchingOnTrashBurners]

Here’s a copy paste from the Allstate plans I was being offered by multiple vendors on ebay for drones. Double check with them to make sure you’re really covered or that they’ll switch your plan over to a drone plan. I also went with State Farm for drone coverage (personal articles policy), but have never filed a claim.

View attachment 186532

Yes that was the exact language which was concerning to me, Allstate is sketchy because they do not specify that it's a drone plan on Ebay in checkout and I do not think that is an accident. I will read all of their fine print thoroughly before checking out and report back with my findings, if there's one thing I know for sure it's that these people will deny coverage and rob your money hiding behind the fine print in court if ever possible but I'm not going to allow it because I paid attention in school more than they did, I will expose their tactics to Google AI if possible.

 

[Riptide]

Yes that was the exact language which was concerning to me, and they do not specify that it is a drone plan on Ebay in checkout. I will read all of their fine print thoroughly before checking out and report back with my findings, if there's one thing I know for sure it's that these people will deny coverage and rob your money hiding behind the fine print in court if ever possible but I'm not going to allow it because I paid attention in school more than they did.

Call them after purchase and tell them its a drone, they will switch the plan in the system. I've done it twice.
On the off chance they don't then just cancel and get refunded, you have 30 days.

 

[SnitchingOnTrashBurners]

Call them after purchase and tell them its a drone, they will switch the plan in the system. I've done it twice.
On the off chance they don't then just cancel and get refunded, you have 30 days.

Yes that's a good point, I know I have a 30 day window for refund and your word Riptide was what gave me confidence with that in consideration, thanks man. I will double check with them and get it in writing or else refund.

 

[SnitchingOnTrashBurners]

Call them after purchase and tell them its a drone, they will switch the plan in the system. I've done it twice.
On the off chance they don't then just cancel and get refunded, you have 30 days.

I'd like to add another important point worth making a new post rather than editing original post. Allstate $130 for 3 years of accidental protection on an Air3s drone worth over $1000 is too good to be true. They can't make a profit if everyone who crashes gets a complete refund, I know there's a catch somewhere.

 

[Riptide]

Yes that's a good point, I know I have a 30 day window for refund and your word Riptide was what gave me confidence with that in consideration, thanks man. I will double check with them and get it in writing or else refund.

The plan should look similar to this when you login to the website if they changed it correctly.

 

[Riptide]

I'd like to add another important point worth making a new post rather than editing original post. Allstate $130 for 3 years of accidental protection on an Air3s drone worth over $1000 is too good to be true. They can't make a profit if everyone who crashes gets a complete refund, I know there's a catch somewhere.

I could be wrong but I imagine that many people buy a drone with the insurance, fly it for a month or two, and then it sits on a shelf the next few years.

 

[GadgetGuy]

Yes that was the exact language which was concerning to me, Allstate is sketchy because they do not specify that it's a drone plan on Ebay in checkout and I do not think that is an accident. I will read all of their fine print thoroughly before checking out and report back with my findings, if there's one thing I know for sure it's that these people will deny coverage and rob your money hiding behind the fine print in court if ever possible but I'm not going to allow it because I paid attention in school more than they did, I will expose their tactics to Google AI if possible.

Pro Tip: Insurance companies don't make any money by paying claims. They all make their money by denying claims, using the language of the policy drafted by their attorneys to protect them.

Allstate also has one of the worst records among all insurance companies even when paying legitimate claims. During an auto accident claim, where the other party was 100% at fault, and I was insured by Allstate, the other party's insurance company was 10x easier to deal with, while Allstate was still claiming I was at fault! After the claim was settled, I immediately switched companies!

 

[GadgetGuy]

I could be wrong but I imagine that many people buy a drone with the insurance, fly it for a month or two, and then it sits on a shelf the next few years.

Welcome to why Care Refresh was so profitable for DJI, selling 2 year policies with every purchase! LOL!

 

[SnitchingOnTrashBurners]

View attachment 186545
The plan should look similar to this when you login to the website if they changed it correctly.

In my head it's a 50/50 chance someone will make a claim in their specified time window resulting in a profit loss on Allstate's end, but your screenshots don't lie. They have about 50% negative feedback on the only source I could find, but the sample was too small at only 13 reviews. At the end of the day, if I get it in writing like you did then I can't pass up $130 protection for a $1000 drone.

 

[SnitchingOnTrashBurners]

Pro Tip: Insurance companies don't make any money by paying claims. They all make their money by denying claims, using the language of the policy drafted by their attorneys to protect them.

Allstate also has one of the worst records among all insurance companies even when paying legitimate claims. During an auto accident claim, where the other party was 100% at fault, and I was insured by Allstate, the other party's insurance company was 10x easier to deal with, while Allstate was still claiming I was at fault! After the claim was settled, I immediately switched companies!

Yes I already read about your BMW lol, my condolences. I have a sweet spot and sentimental value with BMW, even though they break all the time and are too expensive to fix. That's probably why Allstate tried to cheat you.

 

[SnitchingOnTrashBurners]

I could be wrong but I imagine that many people buy a drone with the insurance, fly it for a month or two, and then it sits on a shelf the next few years.

In my head, budget drone people yes fly for a month or 2 and hang it up, but I can't see those types of people buying insurance. Someone like me buying an Air3s with insurance, you know I've had a passion for aviation since a child and I am going to fly until the propellers fall off or an eagle/ WIFI interference/ Karen with shotgun takes me out.

Edit- Or there could be a conspiracy, and Allstate keeps records only honoring protection plans for people like you who insist on getting drone protection in writing? All others they ignore? No Allstate doesn't keep individual tabs; that would be ridiculous, but they definitely have mixed feedback to give them the benefit of the doubt. Hopefully it's just morons giving one star reviews who were never eligible for coverage, but I doubt that. 10% at most of reviews are morons, the rest are legit. Allstate doesn't have enough feedback, while they are Ebay's primary insurance provider for drones? Surreal, maybe this drone world is smaller than I thought.

 

[GadgetGuy]

In my head, budget drone people yes fly for a month or 2 and hang it up, but I can't see those types of people buying insurance. Someone like me buying an Air3s with insurance, you know I've had a passion for aviation since a child and I am going to fly until the propellers fall off or an eagle/ WIFI interference/ Karen with shotgun takes me out.

The irony is the people who fly the most are the ones who need the insurance the least. Most crashes are due to pilot error, and a new flyer is far more likely to crash than an experienced pilot, and they want the insurance the most. Works out really well for the insurance companies, especially when the fine print allows them to reject almost any claim, asserting some form of contributory pilot negligence, like flying in adverse weather, or not having registered with the FAA as a pilot, or not having a 107, if your flight in some way fell out of the hobbyist exception.

 

[Mandalorian1]

I didn't go with state farm because I've heard that making claims on their personal articles policy can result in your homeowners insurance going up (even if you don't have state farm for homeowners). After hearing this, I emailed back and forth with a state farm agent trying to confirm and he was very cagey and would never answer my question. I don't know if its true or not, but I didn't want to risk it.

I purchased Squaretrade Allstate plans. Sometimes they'll say "digital camera" or "electronics item" instead of drone when you first buy it, but you can just call them to clarify what the item is and they'll make it show as a drone of your specific model in the system. I haven't made a drone claim, but 10ish years ago I made a claim on a tablet and had no issues.

I have personal article riders on some owned items (jewelry, etc.) with our homeowner's policy (not State Farm). I once listed a bike and had to make a loss claim when it was damaged in an accident. I was once told by an agent there that making claims can make your insurance premium go up. After that, I started thinking twice before listing things on my homeowner's. Only items you feel are absolutely necessary (like things you can't afford a loss on, or can't cover via a separate plan) would I consider putting on my private insurance policy. Used to carry iPhones on my homeowner's personal articles coverage. The insurance eventually stopped providing insurance on those, so I decided to go with separate Applecare+ coverage which usually covers more anyway. A homeowner's insurance policy rider or personal articles coverage will only cover loss, damage or theft. It will not cover mechanical or other functional breakdowns or defects outside of the manufacturer's warranty as would a separate plan from Allstate or Asurion (or Applecare+ if you're talking about Apple devices).

 

[mavic3usa]

^For sure, insurance policies and service plans are similar but they're not the same.