can I insure my drone - Spencer Insurance Agency, Inc

Do you have a drone?

Did you get a drone for Christmas?  I imagine they are a lot of fun.

I know the first thing you did when you purchased the drone was to call your insurance agent to see if you have property or liability coverage for your drone, right?  Well, the funny thing is that I have not received one call from a client asking if their new drone is covered.  I imagine at least one of my clients owns a drone.

The big question: “Is my drone covered under my homeowner’s insurance coverage?”  And the answer is “Maybe.”  What if you crash the drone into a person and hurt them? What happens if you crash your drone into a car and cause an accident?  If your drone is used for recreational purposes only, then you may have some coverage.  It depends on the language in your policy.  Different companies have different language.  Some limit the size of the drone to under 10 pounds.  Others companies’ policies state “we do cover model airplanes not used or designed for transporting cargo or persons.”

Did you know that all drones over .55 pounds (yes, that is only half a pound) need to be registered with the FAA (the Federal Aviation Administration)?  If you operate an unregistered drone you are subject to fines.  You may also lose your liability coverage since you are operating the drone illegally. Go to the FAA website (https://www.faa.gov/uas/getting_started/) and make sure you know what is required.

The best thing to do is call us at 215-885-2200 and discuss your drone with us.

Close

Check out how you can win an iPad mini.

Open