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Ask the Home Insurance Expert

Q

Will my homeowners insurance cover a drone if I buy one for the family this Christmas? I have my eye on one that is only around $500 and is advertised as a Quadcopter with camera, but I say it is basically a home drone.

A

Most standard homeowners insurance policies exclude liability coverage for aircraft, but will include coverage for “model or hobby aircraft,” like your personal drone.  If your policy does offer this coverage, and if you crash your drone and cause bodily injury or property damage, it should be covered by the terms and limits of your policy.

If you crash your drone, it also should be covered under the personal property portions of your homeowners coverage. However, the deductible for your property coverage may be more than you paid for your drone.

Commercial or business use of your drone is not normally covered under a homeowners policy.

If you end up buying a more expensive drone, you should ask your insurer if there is a rider you could buy to make sure it is fully covered if damaged. 

Until that time, familiarize yourself with your current home insurance policy's coverage, definitions, exclusions and exceptions and ask your agent if you have any questions.  It's best to know before you fly (and potentially crash) your drone if it is covered.

Also, be aware if you plan on flying your drone outside, you now need to register it with the FAA before you operate it outdoors.  The cost is only $5, but you will have to renew your registration every five years.

Find out more on FAA drone registration rules and drone insurance.

Last updated: Jan. 14, 2016