Get them to check under personal property protection as I'm 99% sure most them won't know what this is or will dismiss it.

When you use the State Farm website to search, search for agents that do personal property policies.ĭO NOT SAY YOU'RE BUYING DRONE INSURANCE say you want to purchase Personal Article Protection and that drones are now included in this under Miscellaneous Articles as of July of 2016. Mine was pretty amazing and researched all this for me but a lot of them are completely clueless about this. State farm only works via agents so you'll need to find a local one in your state (I'm in Maryland). Now to call an agent and get them to understand what the hell you're babbling about It wouldn't hurt to include the serial number sticker in your pictures.

Act like you're selling your stuff online.Ī document of all serial numbers (gimbal, Model) information such as model number, type, manufacturer etc. Some time-stamped pictures of all your accessories if you're including them and different angles of the drone itself. Show that agent proof of your expensive toy. Your receipt from where you bought the drone, put it in a PDF file. To file a claim, you simply file any reports and any other evidence of loss and they mail you a check for the full amount. This includes your '2hardcore4lyfe' decal you added to your Mavic. You can add all accessories including those in the fly more bundle and they will be covered at the same cost. If you smack that old lady in the head with your shiny new Phantom 4 that 'magically' flew away and she sues you for daddy's fortune you're SOL. You are NOT covered for any damages to anything else only your drone. They also have a point that they can't really discern a motor failure from a fly off. Fly offs are covered according to several forums and u/JTswift. You are not covered under normal warranty issues like wear and tear only accidents. Your legal fees and shame for ruining the drone community on the news are not. You're covered for 'accidental damage' and theft so if your new shiny Inspire 2 is stolen or smashes into a the space needle at full speed it's protected. If your Phantom 3 is eaten by a whale in the arctic, you're covered. You're covered anywhere on the planet an incident occurs. If you don't want an agent to laugh and hang up on you, cater your script to them as if you're buying insurance for an expensive camera. Again, this is personal article insurance as if you were buying it for an expensive wedding ring.

Many agents will claim this BS because they're thinking you want it covered as an added item in your renters/home owners insurance. Typically your cost is around $60 for sub $2,000 of coverage vs $100+ of DJI care that requires talking to slow, and sometimes broken English tech support that doesn't bother to read what you wrote in your email. The deductible on the insurance is $0, you pay nothing if anything happens to it. So you're in the same boat as people who get expensive cameras, wedding rings, etc covered. State farm in the US now covers drones under personal article insurance as a 'Miscellaneous Article'. Hello everyone, I figured I would write up a small guide as I was having some difficulty getting insurance for my drones.

State farm drone insurance