It is all risk insurance.With DJI care you need to retrieve the drone-not always possible.With State Farm you can flush it down the toilet and it's covered.I have read comments that 1 claim+you're out,but not sure if that's true.I have both coverages and have used Care Refresh and am saving State Farm for a claim with crashed,lost,what have you damage.If you lose your drone you will be unhappy that you didn't spend $75.If you make a claim with State farm,you can order and have a new drone in a day or 2.Care refresh 2+weeks to return(I am a drone addict and would need a quick fix)
Thank you for the response. I think I’m going to play it safe and get the refresh and also stack State Farm on it as well. I’ll give them a call to find out how much it would be.
There are a couple of states State farms does not write insurance.Hope yours is not one.If you have a vacation home you can get it there .
As for the comment, "One claim and your out", could be true. I had State Farm home and car coverage for 48 years, and had my roof replaced due to baseball size hail. Cost to the Farm was $17k. They canceled me! Even though during that storm, tornadoes destroyed many $350 + homes and they were not canceled. The reason they told me...number of claims. It isn't the cost, it's the number of claims. My total claims over those 48 years were less than $24,000. Figured I sent them around $300,000 over those years.
Be aware that if you have State Farm for home/car and break your drone and file a claim, it counts against you. If you have too many claims from their point of view, they will drop you! They go by number of claims, not dollar amount.
Doesn't matter. State Farm reports the drone claim to CLUE, where your home carrier, regardless of who it is will find it and surcharge or cancel.
Yes, many insurance companies sell personal article floaters, but none except State Farm sell them as stand alone. For example, Travelers offers the exact same policy, but only as an endorsement to a homeowner's policy.
