No DJI Care Refresh or Dreary for me. This is the way go.

Discussion in 'General Discussions' started by MGrosvold, Oct 18, 2016.

  1. MGrosvold

    MGrosvold Active Member

    Oct 15, 2016
    Likes Received:
    Holcombe, WI
    Some other posters mentioned drone insurance from State Farm. Following is what a local agent found out and reported to me. A Personal Articles Policy which can be purchased as a stand alone policy sounds like a great deal and is the way I will be going.

    A drone used only for personal use can be covered by our Personal Articles Policy. It’s already covered by our home/renters insurance but, the deductible is usually fairly high ($1,000, $2,500) so, you may not be able to collect much on a claim. We treat a drone used for personal use the same as other items of personal property.

    Our Personal Articles Policy can be set up without any deductible. The minimum premium is $60. If you already have a Personal Articles Policy, say on the diamond ring you bought yourself, it may only cost around $20 to add a $1,500 drone. Otherwise, if you only insure the drone on the Personal Articles Policy - $60 per year.

    I was told we won’t insure a drone which weighs over 55 lbs. on the Personal Articles Policy. It would still be covered under our home/renters policy but, you have that darn deductible. As far as things not covered: wear & tear, mechanical breakdown. If it’s sudden and accidental, it’s probably covered. The PA would cover the drone regardless of if its partially damaged or a total loss. The drone flying off never to be found again or taking a swim with the fishes would be covered by the PA. You get what it would cost to repair or replace it for but, not more than we agree to insured it for.

    A note on filing claims, with the current underwriting environment I would venture a guess you could have one claim on your drone under a Personal Articles Policy and then be done. We (and most companies) probably would not continue the Personal Articles Policy after having a claim. Things change but, that’s my current guess.

    It will be interesting to see how this evolves. We used to cover smart phones on the Personal Articles Policy when they first came out. Until the claim frequency went through the roof. No can do smart phones anymore.

    Some insurance companies add the Personal Articles policy as a rider on home/renters insurance. With those companies you would need to have their home/renters insurance first to then cover the drone. Other companies (like SF), issue the PA policy as a separate policy. With these companies you could buy just the PA as a standalone policy. However, as you can imagine any self-respecting insurance agent is going to go after all your insurance.

    Liability coverage is up in the air (ha! get it? I crack myself up). There is no liability coverage from the Personal Articles Policy. It only covers damage to the item insured. Liability coverage extending from a home/renters policy is questionable. There is an exclusion for aircraft but we don’t define an aircraft. Leaves the door cracked open to deny a liability claim and may be open to interpretation. If I were into the craft I would get liability coverage somewhere else to be sure I was covered for damage or injury I caused using the drone and not rely on my home/renters insurance.

    Interesting subject. Let me know if you need anything else. This is where I ought to put in waiver, hold harmless and the need to consult an attorney type of wording. But, I’m feeling lazy.
    kykayak, kmaluo and Todd Reimer like this.
  2. Phill

    Phill Member

    Oct 13, 2016
    Likes Received:
    Here in Aus my drone and RC cars are covered by my home contents insurance and any damage done by them (up to $20,000,000) is covered by the same policy.
    Excess (deductible in the US) is $500.
    This only applies to recreational use though.
    Seperate cover is needed for commercial use.
  3. BD0G

    BD0G Well-Known Member

    Oct 13, 2016
    Likes Received:
    San Jose, Ca / Lake Tahoe NV
    Love the peace of mind that my State Farm Drone coverage provides. I was the very first person in Northern Nevada to obtain a policy from StateFarm with the intent of insuring a drone.

    At first they were unsure if they could insure it , but I assured them that others on the forums had already insured through State Farm in different locations. They researched and then setup the policy for me. 60 Dollars a year is peanuts compared to the cost of replacing my drone out of pocket. I cant write that check fast enough!

    I bet they would cover it more than once as well. Although I have not tested this. :)

    If not I would just have my girlfriend setup another policy. Its just a data point on the policy. I would do this with full disclosure. Something to the effect of - "Oh so I cannot continue with this policy?" OK thats fine - my girlfriend just got this drone and it is model yada yada yada and she would like to setup a new policy - Here she is (BD0G hands phone to G-Friend)
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