Rodador
lvl.3
Flight distance : 427520 ft
United States
Offline
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I'm fairly new here and I've been reading posts about Sparks flying away at least weekly if not more and this concerns me but a little less now than before.
I bought my Spark a few weeks ago but didn't dare fly it outside after reading so many posts about flyaway Sparks. I ran across another post on here that mentioned this insurance but I think it was buried in another flyaway post so I decided I'd post what I learned.
I use StateFarm for home and auto so after I read that they insure drones I decided to call and look into it, here's what I learned.
StateFarm has a Zero Deductible policy called Personal Articles Policy. Since it's zero deductible you don't have to pay anything more to get it repaired or replaced!
It covers all sorts of things (not phones), including drones, laptops, cameras, earings and more.
Let's say the policy requires a minimum of $84/year or $7/month. (I'm making these numbers up, mine was less but forum rules say I can't list prices, so I hope this complies.)
The way it works: the cost depends on what you want to insure, drones (no specific drone, just drones) for instance my Spark is $12/year (yes year), I believe that's based on a $500 replacement cost, so, that would leave $72 dollars of coverage for other things. A laptop might be $40/year or say a camera mibht be $5/year and so on, you can add as many items as you want, if the total exceeds the minimum policy amount you pay the difference for the additional items is all. If all you want to insure is your Spark you can do that for the minimu yearly cost and not just for one year but for every year you're willing to pay for. They also asked if it was for personal/hobby or business use, I only fly as a hobby for now, I'm preparing to take the part 107.
This is a separate policy, it was not added to any of my other policies so I'd imagine that anyone with any other insurance could still get this coverage, not sure if the price is the same or not but I think it's worth a call to an agent to find out, sorry, I didn't think to ask this specific question at the time.
I asked if it covers the drone if I crash it, lose it, it's stolen or it flies away and they said, "Yes".
Link to site: https://www.statefarm.com/insurance/home-and-property/personal-articles-policy
Also, some credit card companies insure purchases for 30 days or more in some cases, so if your drone is damaged or lost and you used a credit card to pay for it give them a call!
Good luck and happy landings!
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