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State Farm Drone Insurance
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17174 157 2016-12-9 15:54:27
Mavvy
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United States
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So I called State Farm Insurance today and they said they can insure my Mavic for personal use.

$60.00 per year full replacement cost and Zero deductible , thats hard to beat !

Just though i would share with you all.
2016-12-9 15:54:27
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fans423de705
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United States
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There's got to be a catch.
2016-12-9 16:04:04
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Mavvy
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United States
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fans423de705 Posted at 2016-12-9 19:04
There's got to be a catch.

No catch.

only thing it does not cover is mechanical failures. and from what i have read, you do not need a existing policy with them.

So if you have a mechanical failure, throw it on the ground and say you crashed it
or it flew away and you don't know where it is !
2016-12-9 16:30:23
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tgs3838
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Got mine. But it was $75. Still worth the money
2016-12-9 18:37:48
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int0x80
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I wish I knew this earlier ....
2016-12-9 18:54:48
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stealle
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United States
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How much does State Farm charge  for liability if it lands on top of someone's car or head?
2016-12-9 19:01:37
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Danny-B-
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United Kingdom
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Does this work for people in the UK that dont have a farm ? .... Meh! i Wish!
2016-12-9 19:07:38
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A56kuser
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just got my claim check in the mail today.
Story:
Crashed my drone
sent in for repair
made a claim with state farm.
Claim handler called me to ask what happen and i explained i crashed the drone.
they sent me a check for $1000 and didnt ask for any flight data etc.
was paying $40 a year for about $4,000 in equipment coverage.

Im guessing my rates will go up from here but that was a ridiculous easy claim for me to do.
2016-12-9 22:23:25
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patton
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United States
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A56kuser Posted at 2016-12-10 00:23
just got my claim check in the mail today.
Story:
Crashed my drone

Did you already have other forms of insurance with State Farm? I hardly doubt given that I don't currently use State Farm that they are going to insure just my drone/me for this fee per year without having something like auto/home insurance with them.
2016-12-9 23:30:01
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shoman94.
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United States
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I just checked and they will provide it.  State Farm has a MIN charge of 60 bucks.  For this policy its 2.25 for every 100... which is 22.50 but the total is 60 because of the minimum charge.  I don't have insurance with them currently.  
Note though that it isn't a liability insurance. That would be covered under your homeowners.
2016-12-13 08:53:03
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trance728-
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United States
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Does anyone know if that's a per drone policy? If you had 2 drones would it then be $120?
2016-12-13 09:07:44
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Xf04CiIEvgmN
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United States
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I just purchases a State Farm policy (I do not use them for my homeowners).  I paid 30 for the whole year, full replacement up to 1000!  Sweet!
2016-12-13 09:26:18
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Xf04CiIEvgmN
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patton Posted at 2016-12-10 02:30
Did you already have other forms of insurance with State Farm? I hardly doubt given that I don't currently use State Farm that they are going to insure just my drone/me for this fee per year without having something like auto/home insurance with them.

They did insure JUST my drone!  I use a different insurance company for my homeowners!  I paid 30/year!  
2016-12-13 09:27:14
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hybrid0175
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Just confirmed with my State Farm agent. Even though I purchased a DJI Refresh program, I'm DEFINITELY, getting the coverage through my insurance. Note: my agent at first did not know about this, she kind of quickly told me no. But she confirmed with her underwriter that they do offer this type of coverage. I guess I was the first to inquire about it. Thanks OP for posting this!
2016-12-13 10:05:13
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Riotcontrol
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Where do I find this on the state farm webpage so I can purchase coverage?
2016-12-13 10:13:01
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shoman94.
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Riotcontrol Posted at 2016-12-13 10:13
Where do I find this on the state farm webpage so I can purchase coverage?

Call a state farm agent
2016-12-13 10:34:14
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shoman94.
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Xf04CiIEvgmN Posted at 2016-12-13 09:27
They did insure JUST my drone!  I use a different insurance company for my homeowners!  I paid 30/year!

You sure about that?  My agent said it was a 60 dollar minimum for a policy.
2016-12-13 10:34:54
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Mavic 007
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United States
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I just called my local state farm agent, and they will NOT cover drones in California.
2016-12-13 10:42:40
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trance728-
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United States
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shoman94. Posted at 2016-12-13 13:34
You sure about that?  My agent said it was a 60 dollar minimum for a policy.

I remember when this was talked about in previous threads and a bunch of people chimed in. The price was different depending on your state, some had it at $75, $60, $30
2016-12-13 11:33:37
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Riotcontrol
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Mavic 007 Posted at 2016-12-13 10:42
I just called my local state farm agent, and they will NOT cover drones in California.

I think company wide they are supposed to cover drones.
2016-12-13 11:34:42
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Mavic 007
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Riotcontrol Posted at 2016-12-13 11:34
I think company wide they are supposed to cover drones.

The agent called their underwriter's department, and they said it is not offered in California.
2016-12-13 12:05:27
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Mavvy
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Flight distance : 360760
United States
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My State Farm agent called me today to finalize my insurance $ 39.00 year Zero deductible !
2016-12-13 12:11:52
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colonel00
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United States
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For those having issues, ask for a Personal Articles Policy.  You can cover stuff from jewerly to camera gear to firearms.  There isn't a specific spot for drones but mine is under the Miscellaneous Articles section.   
2016-12-13 12:50:45
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A56kuser
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patton Posted at 2016-12-9 21:30
Did you already have other forms of insurance with State Farm? I hardly doubt given that I don't currently use State Farm that they are going to insure just my drone/me for this fee per year without having something like auto/home insurance with them.

yes i have everything with statefarm
Home owners insurance
2 cars
and the personal article insurance for all my camera/ drone equipment.
2016-12-13 16:20:24
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tgs3838
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hybrid0175 Posted at 2016-12-13 13:05
Just confirmed with my State Farm agent. Even though I purchased a DJI Refresh program, I'm DEFINITELY, getting the coverage through my insurance. Note: my agent at first did not know about this, she kind of quickly told me no. But she confirmed with her underwriter that they do offer this type of coverage. I guess I was the first to inquire about it. Thanks OP for posting this!

I contacted 3-4 agents where I live. None of them really acted like they knew much about it. And each one of them gave me different quotes. I settled on $75 a year with no delectable. Like you i also have refresh....Which im using now. But this was just to good to pass up. Im sure Ill drop it in the water at some point.
2016-12-13 17:00:28
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Schwavic
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shoman94. Posted at 2016-12-13 08:53
I just checked and they will provide it.  State Farm has a MIN charge of 60 bucks.  For this policy its 2.25 for every 100... which is 22.50 but the total is 60 because of the minimum charge.  I don't have insurance with them currently.  
Note though that it isn't a liability insurance. That would be covered under your homeowners.

Only some agents have the minimum of $60...  Mine was $36 for $1,300 coverage.
2016-12-13 19:17:31
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Schwavic
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trance728- Posted at 2016-12-13 09:07
Does anyone know if that's a per drone policy? If you had 2 drones would it then be $120?

It's per item, based on $ value (as stated on the bill of sale)...
2016-12-13 19:18:23
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Schwavic
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Riotcontrol Posted at 2016-12-13 11:34
I think company wide they are supposed to cover drones.

All insurances are very different in each state...  
2016-12-13 19:20:17
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Mavic 007
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Ya, I checked again. They said specifically that drones are not covered under personal article insurance in California. They did confirm that it is covered in other states though.
2016-12-13 22:04:07
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adg110
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United States
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State Farm - I live in IL - $60 minimum, it was $20 to insure my Mavic @ $1085.  I just emailed my agent (I have auto and renters with SF) about adding a Personal Articles Policy with my receipt, they had a declaration page over to me via email by end of day.  
2017-1-4 07:13:27
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Kool61577
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United States
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AllState does not offer a policy I just checked.
2017-1-4 07:25:59
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jamgabbi
Student Pilot
Flight distance : 9915
United States
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Hi Jimmy – so sorry for the late reply but it took a while to find out. YES, State Farm does in fact have drone insurance. The rate is $1.25 per $100 coverage with a $60/year minimum premium. The drone may only be used for personal recreational purposes, not for business use. So basically, unless the drone is worth more than $5,000 then the annual premium would be $60. There is no deductible and it provides for broad coverage like loss of equipment or damage to the drone.

We’d be glad to help you purchase this policy if you wish. Just let us know.

Thanks and have a Happy New Year!
2017-1-4 07:36:14
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Faisal
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Canada
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same here called several none of them have any IDEA ... what should I do
2017-1-4 09:40:36
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shoman94.
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United States
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jamgabbi Posted at 2017-1-4 07:36
Hi Jimmy – so sorry for the late reply but it took a while to find out. YES, State Farm does in fact have drone insurance. The rate is $1.25 per $100 coverage with a $60/year minimum premium. The drone may only be used for personal recreational purposes, not for business use. So basically, unless the drone is worth more than $5,000 then the annual premium would be $60. There is no deductible and it provides for broad coverage like loss of equipment or damage to the drone.

We’d be glad to help you purchase this policy if you wish. Just let us know.

It's actually 2.25 per 100 dollars.  60 is the minimum in my state but I guess it varies.
2017-1-5 05:04:04
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mejia
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United States
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Anyone do it in Florida? I just emailed a rep
2017-1-5 05:59:00
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1dash1
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United States
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jamgabbi Posted at 2017-1-4 07:36
Hi Jimmy – so sorry for the late reply but it took a while to find out. YES, State Farm does in fact have drone insurance. The rate is $1.25 per $100 coverage with a $60/year minimum premium. The drone may only be used for personal recreational purposes, not for business use. So basically, unless the drone is worth more than $5,000 then the annual premium would be $60. There is no deductible and it provides for broad coverage like loss of equipment or damage to the drone.

We’d be glad to help you purchase this policy if you wish. Just let us know.

Jamgabbi,

I sent you a PM asking for help in picking up insurance for my "brand new" (just purchased a few minutes ago) Refurbished P3P.  Thanks in advance!
2017-1-24 00:56:09
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fanseb85c303
Student Pilot
United States
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I have Erie insurance and my drone is covered under my homeowner's policy.  No extra charge.  Fully covered.
2017-1-24 09:24:38
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jamgabbi
Student Pilot
Flight distance : 9915
Satellite Provider
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1dash1 Posted at 2017-1-24 00:56
Jamgabbi,

I sent you a PM asking for help in picking up insurance for my "brand new" (just purchased a few minutes ago) Refurbished P3P.  Thanks in advance!

State Farm has great Insurance contact your local agent
2017-1-24 15:24:37
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jamgabbi
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1dash1 Posted at 2017-1-24 00:56
Jamgabbi,

I sent you a PM asking for help in picking up insurance for my "brand new" (just purchased a few minutes ago) Refurbished P3P.  Thanks in advance!

contact your local stateFarm rep
I don't think I received your PM
2017-1-24 15:28:26
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1dash1
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jamgabbi Posted at 2017-1-24 15:28
contact your local stateFarm rep
I don't think I received your PM

Thanks, I've done so and they are preparing a quote for me.
2017-1-25 17:34:55
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