djiuser_MdhRQK8qUagI
lvl.1
United States
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A CW Posted at 2018-1-30 00:20
It will depend on your policy and provider but I have a gadget cover extension on my home insurance in which I specify my drones for recreational/hobby use. The gadget cover includes accidental damage so if I lose my drone or crash it I describe what happened in my claim and they will buy me a brand new replacement minus the excess. It's expensive to insure but cheaper than buying a new one yourself.
My homeowners insurance has a $400 deductible and if I make more than two claims in a 3 year period.. they'll drop me. I just had some crash damage and the new board and another part was going to cost just over $400 without the DJI Refresh. In this situation, my homeowners insurance would've shelled out $20 bucks after the deductible, but the claim would count against me if I ever needed serious help in the future.
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