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Insurance Recommendation - State Farm Said No
215 15 4-11 09:37
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MRomine
Second Officer
Flight distance : 83076 ft
United States
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I know many of you are  using State Farm insurance for commercial drone insurance so I tried to get a quote from my local agent but they said that becasue of the newness of this field and becasue of the lasrge number of drone accidents that they would not be willing to insure me for either recreational or commercial usage. (I live in the town where the State Farm HQ is located). So looking fro other recomendations, what are you using?
4-11 09:37
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DJI Tony
Super Moderator

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Hi, we're sorry to know about this situation. We're hoping that you could get the best recommendation for you to purchase an Insurance of your drone. You may consider as well our DJI care refresh that could provide a protection plan on your drone. DJI Care Refresh is a service plan that provides y covering damage to your DJI product. DJI Care Refresh is valid for 12 months and offers up to two full replacements at an additional charge if accidental damage occurs to your product during normal use. Each time you request a replacement, you’ll receive a replacement unit that is new or equivalent to new in performance and reliability. However, as of the time being, DJI Care Refresh is only available to customers from the U.S., Canada, EU countries, Switzerland, Norway, the UK, Australia, Hong Kong, Taiwan, and Mainland China. You can check whether DJI Care Refresh is available in your country on the DJI Store. Thank you for continued support.
4-11 09:52
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MRomine
Second Officer
Flight distance : 83076 ft
United States
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DJI Tony Posted at 4-11 09:52
Hi, we're sorry to know about this situation. We're hoping that you could get the best recommendation for you to purchase an Insurance of your drone. You may consider as well our DJI care refresh that could provide a protection plan on your drone. DJI Care Refresh is a service plan that provides y covering damage to your DJI product. DJI Care Refresh is valid for 12 months and offers up to two full replacements at an additional charge if accidental damage occurs to your product during normal use. Each time you request a replacement, you’ll receive a replacement unit that is new or equivalent to new in performance and reliability. However, as of the time being, DJI Care Refresh is only available to customers from the U.S., Canada, EU countries, Switzerland, Norway, the UK, Australia, Hong Kong, Taiwan, and Mainland China. You can check whether DJI Care Refresh is available in your country on the DJI Store. Thank you for continued support.

Thank you Tony, I was planning on purchasing that option when I purchase my new drone but the more serious concern is liability insurance. The cost of replacing a new drone is mcc more plantable than paying for someone's injury or property damage.
4-11 09:57
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DJI Tony
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MRomine Posted at 4-11 09:57
Thank you Tony, I was planning on purchasing that option when I purchase my new drone but the more serious concern is liability insurance. The cost of replacing a new drone is mcc more plantable than paying for someone's injury or property damage.

Thanks for the response. We're sure that our valued DJI Forum would provide suggestion on where you could possibly have insurance on your drone,  May you please always have a safe flight! Cheers!
4-11 14:10
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Viper Pilot
First Officer
Flight distance : 31636 ft
United States
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I used to have a specific rider on my State Farm Home Owners ins. policy .  Cancelled that rider when I sold the drone.  However, my new State Farm Home Owners policy has a clause included that provides coverage for my Mavic 2 Pro when flown for recreational purposes.  Don't believe it has any coverage for commercial purposes.
4-11 14:49
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timtwomey
lvl.4
Flight distance : 247197 ft
United States
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For the liability and some other coverage, join AMA (Academy of Model Aeronautics) for $75/$65 seniors. Includes:
Liability Coverage for the Operation of Model Aircraft, Boats, Cars, and Rockets
$2,500,000 Comprehensive General Liability Protection for model activities for members, clubs, site owners, and sponsors
$25,000 Accident/Medical Coverage for members
$10,000 Maximum Accidental Death Coverage for members
$1,000 Fire, Theft, and Vandalism Coverage for members
4-11 15:02
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Woe
Captain
Flight distance : 2943383 ft
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United States
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timtwomey Posted at 4-11 15:02
For the liability and some other coverage, join AMA (Academy of Model Aeronautics) for $75/$65 seniors. Includes:
Liability Coverage for the Operation of Model Aircraft, Boats, Cars, and Rockets
$2,500,000 Comprehensive General Liability Protection for model activities for members, clubs, site owners, and sponsors

Thanks for sharing this.
4-11 17:20
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Todd Felmly
lvl.3
Flight distance : 257090 ft
United States
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Maybe find another agent? I have homeowners and auto with SF. Called my agent and bought a Personal Articles Policy for my Mavic Pro Platinum. $1300 (USD) worth of coverage, $0 deductible for $60 a year and this was just a few days ago. Underwriter confirmed if anything happens, I'd be covered. Probably don't want to use it unless absolutely necessary as they may not renew your new drone if you make a claim. Because of that I also purchased DJI Refresh. And I have a umbrella policy for liability which wasn't that much. That way I'm covered no matter what!
4-12 06:55
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MRomine
Second Officer
Flight distance : 83076 ft
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Todd Felmly Posted at 4-12 06:55
Maybe find another agent? I have homeowners and auto with SF. Called my agent and bought a Personal Articles Policy for my Mavic Pro Platinum. $1300 (USD) worth of coverage, $0 deductible for $60 a year and this was just a few days ago. Underwriter confirmed if anything happens, I'd be covered. Probably don't want to use it unless absolutely necessary as they may not renew your new drone if you make a claim. Because of that I also purchased DJI Refresh. And I have a umbrella policy for liability which wasn't that much. That way I'm covered no matter what!

You would think that my agent who's office is in the same town as the HQ for StateFarm and less than six blocks from the corporate office would be able to give me something. Especially since I am a 30+ year client.
4-12 18:41
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A J
Captain
Flight distance : 8832591 ft
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Good info to know
4-13 03:24
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MRomine
Second Officer
Flight distance : 83076 ft
United States
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Todd Felmly Posted at 4-12 06:55
Maybe find another agent? I have homeowners and auto with SF. Called my agent and bought a Personal Articles Policy for my Mavic Pro Platinum. $1300 (USD) worth of coverage, $0 deductible for $60 a year and this was just a few days ago. Underwriter confirmed if anything happens, I'd be covered. Probably don't want to use it unless absolutely necessary as they may not renew your new drone if you make a claim. Because of that I also purchased DJI Refresh. And I have a umbrella policy for liability which wasn't that much. That way I'm covered no matter what!

You say you have an umbrella policy for liability, is that also with State Farm and is that part of your homeowners policy?
4-13 06:00
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Todd Felmly
lvl.3
Flight distance : 257090 ft
United States
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MRomine Posted at 4-13 06:00
You say you have an umbrella policy for liability, is that also with State Farm and is that part of your homeowners policy?

Yes the umbrella is with State Farm and is a separate plan from my homeowners. $1,000,000 in coverage for about $138 a year.
4-13 15:37
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JHollimanPhoto
Second Officer
Flight distance : 82781 ft
United States
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is SF coverage international?
4-14 22:50
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MRomine
Second Officer
Flight distance : 83076 ft
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JHollimanPhoto Posted at 4-14 22:50
is SF coverage international?

My SF agent said that they would not attempt to cover anything internationally.
4-15 12:19
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Daystrom
lvl.3
Flight distance : 257090 ft
United States
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I can't confirm but I thought they would cover you if you were travelling out of the country. At least from what I've read.
4-15 13:50
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Kingram
First Officer
Flight distance : 84063 ft
United States
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You must live in California ?
4-15 17:27
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