Frequently Asked Questions about Drones
Topic Frequently Asked Questions
Damage to my Drone - Homeowners Does my homeowners insurance cover me for any damage to my drone if it crashes? What about damage or injury it may cause to something or someone if that happens?
Damage to my Drone - Commercial I have a commercial package policy covering my business exposure. I have recently been using a drone to get aerial photos for use in my business. Does my policy cover for damage to my drone if it crashes? What about damage or injury it may cause to something or someone if that happens?

Question: Does my homeowners insurance cover me for any damage to my drone if it crashes? What about damage or injury it may cause to something or someone if that happens?

Answer: A drone is considered an unmanned aircraft. Many companies have filed changes to their homeowner policies and no longer cover “hobby aircraft” exposures, so in many cases the policy’s aircraft exclusion would apply. This eliminates coverage for any damage to or caused by a drone. Some companies may offer a buyback of this coverage for an additional premium; contact your agent or company representative with any questions you may have about this exposure.

Question: I have a commercial package policy covering my business exposure. I have recently been using a drone to get aerial photos for use in my business. Does my policy cover for damage to my drone if it crashes? What about damage or injury it may cause to something or someone if that happens?

Answer: Most commercial policies contain aircraft exclusions; a drone is considered an unmanned aircraft. Some companies may offer an endorsement to add this coverage for an additional premium; contact your agent or company representative with any questions you may have about covering this exposure.