Santa may have brought you a drone for Christmas. If he did, and you have a mishap, how will that be covered by your home insurance? The answer generally depends on how the drone is being used. If it’s being used in business, your home insurance will not respond. However, if it’s simply for hobby purposes, there may be some coverage from your home insurance policy.
Let’s say, you take that shiny new drone out for a flight, and unfortunately, while you’re learning how to operate it, you have an accident. It causes damage not only to your new drone, but also to the item it struck.
As long as the drone is not for commercial use and is basically a “hobby” in most cases, and this can vary by insurance carrier, the damage your drone causes to a 3rd party would be covered under the liability section of your home insurance policy. Generally, the damage you caused to your drone through the mishap, would not be covered.
Coverage for drones can vary between insurance carriers. To know for sure, we recommend you contact one of the insurance professionals at Hatter, Williams & Purdy Insurance to discuss your particular situation.