Many of them involve scenarios where the operator loses control, or the drone unexpectedly runs out of power.
If your home insurer does not agree to insure the liability for your drone, there are other, fairly low-cost options.ĭrone-related accidents are already well-documented in the U.S. LHJB Photography / Moment Open / Getty ImagesĪlthough many people think of drones as fun toys, the reality is that drones, sometimes referred to as unmanned aerial vehicles (UAVs) and unmanned aircraft systems (UAS) are far more sophisticated than your average "toy." The FAA classifies most drones as aircraft.ĭepending on how your home insurance provider feels about drones and interprets your use, you may or may not have coverage under the personal liability protection in your homeowner policy. What are the risks of owning or operating a drone?. However, accidents do happen with drones, and you may want to protect yourself with liability insurance and damage insurance. If you are only using your drone for personal use and not business use, there most likely isn't an obligation to insure it. Insurance for Drones and UAS RequirementsĪlthough insurance doesn't dictate whether you register your drone or not, the use of your drone and how it's regulated could impact how it's covered by a homeowner's policy. However, since this is a new area for regulators, it's best to check with the FAA's guidelines to make sure you're up-to-date. In December 2015, the FAA introduced the requirement to register your personal-use drone. Depending on your specific insurer, you may not have to pay any additional amount to cover your drone. The good news is that most insurance company policy wordings would cover a drone in the same way that they would cover your personal property or contents. Depending on the model, drones can cost anywhere from $40 to over $2,000.
DRONE STOCK PROFESSIONAL
Some hobbyists use cheap drones for fun, while professional photographers may make use of camera equipment on high-end drones. This is a review of all the basics you need to know to determine what insurance you may already have and don't know about.ĭo You Need to Buy Insurance for Your Drone?ĭrones aren't just popular with one type of user. Colin Anderson / Blend Images / Getty Imagesĭepending on the kind of drone you have and how you use it, you may already have coverage for drone damage insurance and liability through your home insurance policy. Options for Insuring Your Drone - Is it Covered?.
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