Purchased a Mavic Pro Platinum about a month ago.  Checked with my insurance carrier, Farmers, and they don't do drone insurance.   Thought I could put it on my homeowners.  Guess not.  For liability, what are recreational drone operators buying?   Anything?

Hello and good day Jimmy W. Thank you for reaching out and for the inquiry. I hop that you will get the best recommendation for our valued DJI co pilots on what insurance are they using on there drones. Have a safe and happy flying always.

DJI Care Refresh

A J Posted at 4-23 12:15
DJI Care Refresh

I already have Care Refresh.  Im talking about liability insurance in case my drone causes damage to someone else's property.

Not sure where you are based, but this was recommended to me by another drone flyer in the UK https://bmfa.org/Info/BMFA-Insurances/Insurance

I'm in the United States.   Thank you for responding!

Jimmy W Posted at 4-23 12:23
I already have Care Refresh.  Im talking about liability insurance in case my drone causes damage to someone else's property.

I use FPV here in the UK - £19.99 a year for £5,000,000 of cover for recreational use of a drone. Good luck finding something similar in the US.

A J Posted at 4-23 12:40
I use FPV here in the UK - £19.99 a year for £5,000,000 of cover for recreational use of a drone. Good luck finding something similar in the US.

Thank you.

either become an AMA member or I think its alstate that will insure them.

Mikem691 Posted at 4-23 14:29
either become an AMA member or I think its alstate that will insure them.

I'll check it out.  Thank's.

Don't ask your agent for 'drone insurance', ask for a personal articles policy and then list the drone as the insured item.

I have a PAP through State Farm that covers $1300 USD for $60 a year, $0 deductible. It is a separate policy from my home owners and auto. The underwriter said whatever happens to my drone, it'll be covered.

I also have a $1,000,000 umbrella liability policy through them too.

Daystrom Posted at 4-23 18:21
Don't ask your agent for 'drone insurance', ask for a personal articles policy and then list the drone as the insured item.

I have a PAP through State Farm that covers $1300 USD for $60 a year, $0 deductible. It is a separate policy from my home owners and auto. The underwriter said whatever happens to my drone, it'll be covered.

Does your umbrella cover drones? If so through who. I also have state farm coverage                                   but only personal articles policy.
I have had them for a few years and I was told they don't cover liability drone insurance.
I have both my Mavic's and my goggles covered, had my P3A covered before I sold it.

Jimmy W Posted at 4-23 13:02
Thank you.

You're welcome

Daystrom Posted at 4-23 18:21
Don't ask your agent for 'drone insurance', ask for a personal articles policy and then list the drone as the insured item.

I have a PAP through State Farm that covers $1300 USD for $60 a year, $0 deductible. It is a separate policy from my home owners and auto. The underwriter said whatever happens to my drone, it'll be covered.

Is the $1,000,000 liability insurance part of the $60 PAP indurance?  Or is the Umbrella liability insurance  separate?  If so....roughly how much is that?  Does the umbrella cover other liability scenarios as well as your drone?

The personal liability umbrella runs $137 a year and is a separate policy from the PAP, Home, Auto. I've read through the policy and there is no specific wording about drones, but there is mention of aircraft so perhaps it wouldn't cover a drone accident. Note that I didn't purchase this to cover liability due to a drone accident, my agent simply suggested it while we bought our Home & Auto insurance a while back.

Here is the actual policy if you care to read through it:

Google Drive link to policy

Thank you!

A J Posted at 4-23 12:40
I use FPV here in the UK - £19.99 a year for £5,000,000 of cover for recreational use of a drone. Good luck finding something similar in the US.

Yeah I paid up last year and for £20 I’ll probably renew too!

ShadyDealer Posted at 4-25 08:42
Yeah I paid up last year and for £20 I’ll probably renew too!

Same here regarding renewal - cert looks legit and they are authorised by the CAA so can't go wrong

A J Posted at 4-25 09:34
Same here regarding renewal - cert looks legit and they are authorised by the CAA so can't go wrong

Never had to use it, touch wood I won’t ever have to but it’s so well priced it’s a no brainier. Long as you fly legally you are covered.

ShadyDealer Posted at 4-25 10:10
Never had to use it, touch wood I won’t ever have to but it’s so well priced it’s a no brainier. Long as you fly legally you are covered.

It's good to just have the certificate in the bag so if a council operative comes onto an RC field you can show them the cert and they can turn back around and do one lol

Try either "droneinsurance.com"  OR "avioninsurance.com/uav-drone-insurance"   You'll find coverage with one of these.

A J Posted at 4-23 12:15
DJI Care Refresh

What has that to do with personal liability?

Daystrom Posted at 4-23 18:21
Don't ask your agent for 'drone insurance', ask for a personal articles policy and then list the drone as the insured item.

I have a PAP through State Farm that covers $1300 USD for $60 a year, $0 deductible. It is a separate policy from my home owners and auto. The underwriter said whatever happens to my drone, it'll be covered.

I'm afraid $1M wouldn't do much for a liability suit if your drone managed to hit someone causing them injury (or not).

AG0N-Gary Posted at 7-8 16:25
What has that to do with personal liability?

Nothing, hence the following posts!