NoSale
lvl.3
Flight distance : 460958 ft
United States
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I asked this in other related threads with very little response and information, so I thought I would try a new separate thread specific to the topic.
Many have read the threads on pilots who have purchased Personal Articles Policy (PAP) through State Farm in the US. There may be other US insurance agencies offering a PAP type policy, but State Farm seems to be the best know insurance agency.
For those not familiar with this topic, PAP covers items like cameras, jewelry, personal medical devices, furs, etc. To be clear, it does NOT cover liability. It covers loss and damage to items, carries a zero dollar deductible, and is a stand alone policy. When I say stand alone, it is not a rider to a homeowner policy. In fact, does not require any other policy as a pre-requisite to purchase a PAP. There are a few requirements to define items covered. In the instance of a Mavic Pro, you must provide a receipt showing its original value, along with a serial number of the item. Other items, like expensive watches and jewelry, may have different requirements. But that's besides the intent of this post.
Now that these items have been covered as a background for my question, I would be interested in comments and observations of where purchasing DJI Care Refresh would be advisable either in lieu of a PAP policy, or in combination with PAP. As best as I can tell, there are two distinct advantages to a PAP:
- PAP costs less (it varies by state, but generally around $60 for the value of a Fly More Combo, and potentially more with the inclusion of other items like jewelry)
- Recovery of the lost item is not required. You could fly the Mavic into a body of water, never to see it again, or shatter it into multiple pieces with the inability to gather all part
For claims made, State Farm will cut you a check for the insured amount, with no change in rates against other policies (if any). They could drop your PAP if the claims become too frequent, but I have heard that this is not likely unless you have more than a couple of claims.
For those that may still be in disbelief, check with your local State Farm agent, like I and others have done. The only state that seems to not offer PAP for drones, and I fully assume the Mavic Pro is covered because it is a camera, is California.
What am I missing should I opt to cover using PAP and not DJI Care Refresh? Is there any benefit to purchase both DJI Care Refresh and a PAP (PAP will also cover repairs up to the amount of the covered value). I would be greatly appreciative and interested in thoughts and comments on this approach to protecting against loss and damage to the Mavic Pro. |
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